Not an Investment Brokerage – Something Different

Bill Graham, the legendary concert promoter, wrote about the Grateful Dead, “They are not the best at what they do; they are the only ones who do what they do.”

Here at Carver Financial Services Inc., that’s what we strive to do – provide a service that’s as unique as our clients. We provide Personal Vision Planning® and work to improve your life; we are not here to sell or manage investments. When you hire us, you are not hiring an investment broker or fund manager. Our goal is to improve your life and enable you to enhance and maintain your lifestyle while being confident in your future. The value of working with our team is not in beating a random benchmark such as the S&P 500. Success, in our opinion, is measured by your being able to confidently live your life the way you want to. We are here to make you and your family happier.

The Value of a Broader View of Your Well-Being

The value we provide is not reflected only in the return on your portfolio. Our team can help you reduce income tax, fund education expenses efficiently, help facilitate real estate or vehicle purchase as well as a myriad of other strategies that put more money in your pocket. Yet these valuable benefits are not reflected in a portfolio return.

Personal Vision Planning is more than just managing money; it focuses on making you happier and more comfortable. This might involve working with your CPA, attorney, insurance agent, medical professionals and others. Our firm works with integrity, transparency and discretion to coordinate your life. Our clients do not hire us solely as investment managers.

Even from a pure portfolio-return standpoint, industry studies estimate that professional financial advice can add between 3 and 4 percent to portfolio returns over the long-term, depending on the time period and how returns are calculated.[1]

The process we have developed and refined includes defining your goals, understanding your current situation and identifying the key steps to move forward. Although many firms talk about personal or customized approaches, they use standard models for their clients, do not take a holistic approach, and are focused more on investment management rather than on your life. Beyond long-term goals like retirement, and shorter-term goals like buying a house, funding your kids’ education or traveling, our process looks at factors such as legacy planning, family support, health care, insurance coverage and charitable giving.

Our Team Will Serve You for the Long Term

Our large, experienced team is composed of several generations of advisors who will be here to serve you for generations to come. We work around your schedule to accommodate your busy life. As many firms move to cookie-cutter models, reducing staff and relying on technology rather than personal contact, we have continued to grow our team of highly educated and experienced financial professionals.

We host events throughout the year that are fun, educational and inspiring. We invite you to check out the full list of our upcoming events.

Our firm was founded in 1990 with the mission of Making People’s Lives Better—Our Clients, Our Team and Our Community. We look forward to hearing from you regarding how we can best fulfill that mission for you and our community. Feel free to contact me personally at or anyone on our team at (440) 974-0808. We are the only ones who do what we do in the financial-planning field, because we are focused not just on your portfolio return, but on enhancing your life and legacy.

[1]. Value of advice sources: Envestnet, Capital Sigma: The Return on Advice Opens (estimates advisor value-add at an average of 3 percent per year), 2016; Russell Investments, 2017 Value of a Financial Advisor Update (estimates value-add at more than 4 percent per year); Vanguard, Putting a Value on Your Value: Quantifying Vanguard Advisor’s Alpha®, 2016, (estimates lifetime value-add at an average of 3 percent); Morningstar Investment Management, The Value of a Gamma-Efficient Portfolio, 2017.