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10.21.25 – Getting into College – What You Really Need to Know

10.21.25 Live Webinar – Getting into College –  What You Really Need to Know with Shari Bush

There’s a lot more to college admissions than strong test scores.
From applications and essays to financial aid and deadlines—successfully navigating the college process requires early planning, strategic decisions, and expert insight.

Join us for an exclusive webinar with Shari Bush, founder of Candid Educational Advising, and a nationally recognized college admissions specialist. Shari has helped thousands of families confidently manage the college application process and gain admission (and scholarships) to top schools across the country.

In this session, we will cover:

  • When to begin planning and what students should do at each stage
  • How to build a compelling application profile
  • What colleges are really looking for in an applicant
  • Tips to qualify for financial aid, grants, and scholarships
  • How to avoid common mistakes that cost time and money
  • How to make the process as stress-free as possible

About the Speaker: Shari Bush

With over 25 years of experience in education, Shari works one-on-one with students and families to help them find the right fit and navigate the college system. Her proven process helps families cut through confusion and make smarter, more informed choices.

When:

Tuesday, October 21, 2025 | 7:00 PM

Where:

Zoom Webinars (Registration Required) Register Here

There is neither a cost nor any obligation to attend this event. You are encouraged to invite family and friends.

Raymond James is not affiliated with and does not endorse the opinions of Shari Bush.

10.18-19.25 – Girls Getaway at the Grand Resort

Girls’ Getaway Night at The Grand Resort in Warren, OH

I hope you’re ready for a night of laughter, luxury, and a little well-deserved pampering—because you’re officially invited to a Girls’ Getaway Night at The Grand Resort!

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9.10.25 – Understanding Social Security Benefits with Brandon Smith

Upcoming Webinar: Understanding Social Security Benefits with Brandon Smith

Join us for an exclusive Social Security webinar with Brandon P. Smith, Public Affairs Specialist, Social Security Administration

Navigating Social Security can be complex, but it doesn’t have to be. Join us for a free, informative webinar with Brandon Smith, where we’ll break down the essentials of Social Security benefits and empower you with the knowledge you need to make confident decisions.

During the webinar, we will discuss:

  • The work, age and relational requirements for Social Security retirement, spousal and survivor benefits
  • The different methods of applying for benefits
  • The earnings limits for individuals receiving benefits
  • The basics of the Social Security Fairness Act
  • How to create and use a My Social Security Account
  • Explain how to apply for a replacement Social Security card

This webinar is perfect for:

  • Individuals nearing retirement
  • Spouses or survivors considering benefit options
  • Anyone interested in understanding Social Security policies and procedures
  • Professionals helping clients with retirement planning

About the Speaker: Brandon P. Smith Public Affairs Specialist, Social Security Administration B.A., Interpersonal and Public Communication, University of Akron, Akron, OH

Brandon Smith, a native of Cleveland, Ohio, joined the Social Security Administration in 2003.  Prior to this, Brandon worked as a teacher for 3 years in the Diocese of Cleveland. He started his government career as a Claims Representative in the Middleburg Heights field office, specializing in Retirement, Survivors, Disability, and Health Insurance. In 2007, Brandon became the Public Affairs Specialist in the metro Cleveland area. Brandon is the primary contact for media relations, outreach, and presentations for the agency in Cuyahoga, Lake, Lorain, and Geauga counties. In 2012, Brandon received a Regional Communicator Award from the Social Security Administration. Later that year, Brandon was among the inaugural recipients of the Black Diamond award from the Greater Cleveland Delta Foundation Life Development Center. Brandon is a member of the 2014 Kaleidoscope Magazine’s 40 under 40 Club. And in the summer of 2015, Brandon received a Deputy Commissioner Citation from Social Security’s Office of Communication for his outstanding public affairs support of the agency’s national communication initiatives.

Brandon is a member of various cultural and educational institutions in Greater Cleveland, such as the Western Reserve Historical Society and the Cleveland Museum of Art.  Brandon and his lovely wife, LaToya, are the proud parents of two beautiful children, a handsome son and a beautiful daughter, along with two cats.

When:

Wednesday, September 10, 2025 | 7:00 PM

Where:

Zoom Webinars (Registration Required) – Register Here

There is neither a cost nor any obligation to attend this event. You are encouraged to invite family and friends.

Raymond James is not affiliated with and does not endorse the opinions of Brandon Smith. 

9.6.25 Carver Cruisin’ Car Show

Saturday, September 6, 2025

Get ready to rev your engines and roll into a night of classic cars, great food, and family fun at the Carver Cruisin’ Car Show, hosted at  JT’s Diner in Willoughby, Ohio!

Join fellow car enthusiasts for a spectacular morning filled with:

  • Stunning classic & custom cars
  • Prizes, giveaways, and raffles
  • Family-friendly atmosphere
  • Refreshments

Whether you’re showing off your ride or just coming to admire, everyone is welcome! Bring your friends, bring your family, and don’t forget your camera – this is one car show you won’t want to miss.

Location: JT’s Diner | 38740 Lakeshore Blvd. Willoughby, OH 44094

Time: 11:00 – 3:00 PM (Car Registration 9:00 – 11:00 AM)

Free Admission – No Entry Fee!

 

 

SOLD OUT! 8.29.25 Glow Golf Benefit at Little Mountain Country Club

Friday, August 29, 2025

Get ready for an unforgettable summer evening filled with fun, friends, and a little friendly competition at Little Mountain Country Club! Join us for an exciting round of Glow in the Dark Golf, kicked off with dinner and drinks. Whether you’re a pro or a beginner, it’s all about having a great time as we hit glowing golf balls under the night sky. Proceeds will be donated to the New Beginning Initiative. 

OUTING FORMAT

  • (7) hole 4-person scramble
  • Dinner: 7:30 – 8:30 PM
  • Shot Gun starts at 8:45 PM
  • Wrap-Up and Desserts at 11:00 PM

COST – $90 per person or $350 per foursome

Carver Cares Partner – The New Beginning Initiative

Raymond James is not affiliated with the New Beginning Initiative or Carver Cares Charities.

Sponsorship Opportunities

 

A New Year’s Reflection: Three Keys to Happiness

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.

 

7.25.25 36th Annual Client Appreciation Event

Friday, July 25th 2025

36th Annual Client Appreciation Lake County Captains Game – Clients Only

36th Annual Client Appreciation Event |  Friday, July 25th, 2025.

The game is at 7:00 PM vs. the Lansing Lugnuts. Clients will have early entry beginning at 5:30 pm and will receive a food voucher and a T-shirt at the game.

Call us to reserve your tickets at (440) 974-0808 or email carverfinancialservices@raymondjames.com.

Tickets can be picked up between July 1st and July 24th. Any tickets not picked up at the office will be at the “CFS Will Call” table at the game.

Reservations must be made by July 16th.

End 68 Hours of Hunger Food Drive

We are excited to be having another food drive for End 68 Hours of Hunger at the Client Appreciation baseball game. The MOST NEEDED items are canned fruit, peanut butter, jelly (plastic containers only), and canned soup. 

Through this effort, we have been able to donate over 140,000 pounds of food over the years. We are excited to make it a successful event again this year. If you have any questions, please feel free to call the office at (440) 974-0808 or email carverfinancialservices@raymondjames.com.

This event is reserved for clients of Carver Financial Services.