As we begin 2025, many of us reflect on the lives we’ve built and the changes we hope to make. We make resolutions, set goals and envision a future that feels brighter, more meaningful, and, ultimately, happier. But what does it mean to be truly happy? What is the secret to living a life filled with joy, contentment and purpose?

After years of studying people, their stories, and their successes, I’ve come to believe that happiness is not as elusive as we sometimes make it out to be. It doesn’t require fame, wealth or perfection. Instead, happiness comes down to three simple but profound elements. As with many things in life, these are simple, but not necessarily easy, to acquire. 1.

1. Something to do

We are, at our core, creatures of purpose. Having something meaningful to do each day gives us direction and a reason to get out of bed in the morning. Whether it’s the work we do, the passions we pursue or the ways we serve others, doing something that matters fills our lives with energy and intention.

As you step into this new year, ask yourself these questions: “What makes my soul come alive? What gives me a sense of accomplishment or joy?” If you’re unsure, start small. Try something new to discover what your true passion is. Volunteer, pick up a new hobby or dive deeper into the work you already do. You’ll find that the act of doing — of creating, contributing and engaging — can transform even the simplest days into fulfilling ones.

2. Someone to love

Love is the heartbeat of happiness. The connections we share with others give life its richest meaning. Whether it’s the love of a partner, a child, a friend or even the bond we share with a community, relationships ground us, nurture us and remind us of who we are.

Take time this year to invest in the people who matter most. Be present in your relationships. Express gratitude, share laughter and hold space for deeper conversations. And remember, love isn’t just about receiving; it’s about giving — offering kindness, compassion and understanding to others, even when it’s hard.

3. Something to look forward to

Anticipation is a powerful thing. Knowing that something good is on the horizon — whether it’s a trip, a celebration or simply a quiet weekend to recharge — gives us hope and keeps us moving forward. Having something to look forward to fuels our spirits and reminds us that the best is yet to come.

This year, be intentional about creating moments to look forward to. It doesn’t have to be extravagant. Plan a coffee date with a friend, set a goal to achieve or mark your calendar for a day to do something you’ve always wanted to try. These small glimpses of future joy can bring light to even the darkest days.

A simple, powerful formula

Something to do. Someone to love. Something to look forward to. These three things might sound simple, but their impact is profound. When we anchor our lives around these principles, we create a foundation for lasting happiness — one that isn’t swayed by the ups and downs of life.

At Carver Financial, our mission is to make your life better. We are here to simplify your life and help you lead your best life. Whether it’s guiding you toward financial freedom, supporting your dreams or providing clarity in complex times, everything we do is centered around helping you achieve happiness and peace of mind.

As we embark on this new year, I challenge you to reflect on these three keys to happiness. Where do you feel fulfilled? Where do you see room to grow? And most importantly, what small steps can you take today to build a life that’s rich in purpose, love and anticipation? Think about how we can help you.

Remember, happiness isn’t a destination; it’s a journey. Let’s walk that path together, one intentional step at a time. Here’s to a year filled with doing what you love, loving who you’re with and looking forward to what’s to come. Happy New Year!

You can reach Randy directly at randy.carver@raymondjames.com and in the office at (440) 974-0808.

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Randy Carver, CRPC^®, CDFA^®, is the president and founder of Carver Financial Services, and is also a registered principal with Raymond James Financial Services, Inc.  Carver Financial Services was established in 1990 with the vision of making people’s lives better — clients, team and community. With this mission, Carver Financial Services has grown to be one of the largest independent financial services offices in the country, managing $3 billion in assets for clients globally, as of November, 2024.

Any opinions are those of Randy Carver and not necessarily those of Raymond James. This material is being provided for information purposes only and is not a complete description, nor is it a recommendation. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete.