Randy’s blog

It’s Not as Bad as We Are Told

The news is full of gloom and doom. Some people have vowed not to read or watch news reports because it’s too overwhelmingly depressing. Every

It’s Not What You Make but What You Keep

When looking at how your investments are doing, we believe one of the most important factors to look at is not how much you make

Real Risks: Hurting Those We Are Trying to Help

We’ve all heard that when something sounds too good to be true, it usually is. Yet the promise of getting something for nothing can be

Where Are We, and Where Are We Going? A Mid Year Update on Markets & The Economy

As the volume and pace of news continue to increase, it’s easy to get distracted from the opportunities and also the pitfalls that are before

2-Factor Authentication

Every day, innovations and advancement in technology alter our human experiences and how we relate to the outer world. From the way, we create our

How Much Am I Really Earning? What's The Best Way to Calculate My Return?

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep

Why am I not Beating the S&P 500?

Focus on Your Goals – Not Beating the S & P The Standard & Poor’s 500 index, or S&P 500, is a leading indicator of

Just the Facts, Ma’m- The Future is So Bright

When broader markets drop, many investors are understandably concerned. When markets move up, as they have done in 2017, many investors worry about when they

Cutting Taxes to Increase Revenue- Politics, Perception and Facts

Once again, tax simplification and cuts are being debated. There is general agreement that the tax code needs to be simplified, but there are a

How to Protect Yourself: Lessons from Harvey, Irma and Equifax

The vision of Carver Financial Services Inc. has always been making people’s lives better. A big part of this vision is protecting and enhancing your

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