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440.974.0808

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Carver Financial Services

Helping you achieve your personal vision based upon your individual needs, goals and risk tolerance.

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  • Our Approach
    • Personal Vision Planning®
    • Wealth Management Services
    • Team Advantage
    • Our Partnership with You
  • About Us
    • Meet the Team
    • Our History
    • Awards & Recognition
    • Randy’s Story
    • Philanthropy
    • About Raymond James
  • Resources
    • Our Videos
    • Client Communications
    • Randy’s Blog
    • Carver in the News
    • Carver Financial ROKU® Channel
    • Seminar Material
    • Client Access Videos
    • FAQs
    • Carver Merch Store
  • Experiences
    • Our Events
    • Client Getaways
  • Contact Us
  • Client Login

Why Are We Investing?

For most of us investing is a means to an ends – not just a hobby or the ultimate goal. We are investing
to achieve our goals, meet our needs and fulfill our wishes. As such the ultimate benchmark that we
should be using when judging our performance is our ability to maintain and enhance our lifestyle; not
some market indicator.

Too often we see people evaluating their performance versus a benchmark that has little or nothing to
do with their personal goals. At best this is a waste of time, but at worst may result in behavior that is
detrimental our ultimate purpose. If we are investing just to beat an index that is one thing – if we are
investing to maintain and enhance our lifestyle that is completely different.
The other issue is the market news and behavior is often viewed over very short periods of time;
whereas most of us are investing for the rest of our lives. Again this is not consistent with why or how
most of us invest.

Investment decisions should be based on our personal needs, objectives and risk tolerance
understanding that we cannot predict (nor do we have to) the short term moves in equity markets,
interest rates or the economy. We should have cash or cash equivalents for any near term needs and
then invest in a diversified manner for the long term. If we can maintain and/or enhance our lifestyle
then we are being successful regardless of what the markets, or even our portfolio, do in the near term.
Your financial advisor is not being paid to beat the market but to help you achieve your vision. Please
contact us with questions or whenever we may otherwise be of service. We have a wide range of tools
for assisting you with this process but the most important one is simply listening so that we help you
define and achieve your vision.

 

Any opinions are those of Randy Carver and not necessarily those of Raymond James.
Investing involves risk and investors may incur a profit or a loss. Every investor’s
situation is unique and you should consider your investment goals, risk tolerance and
time horizon before making any investment. Prior to making an investment decision,
please consult with your financial advisor about your individual situation.

Category: BlogTag: Investing

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We’re ready to help you achieve your vision. Contact our team today.

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7473 Center St.
Mentor, OH 44060
Phone: 440.974.0808
Toll-Free: 800.627.7279
Email: carverfinancialservices@ raymondjames.com

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Securities offered through Raymond James Financial Services, Inc. member FINRA / SIPC. Investment advisory services offered through Raymond James Financial Services Advisors Inc. and Carver Financial Services Inc. Carver Financial Services is not a registered broker/dealer and is independent of Raymond James Financial Services.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.

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