Randy Carver - Ultimate Vacation: The Definitive Guide to Living Well Today and Retiring Well Tomorrow

Copyright 2019 Randy Carver

All rights reserved.

ISBN: 978-1-5445-0647-0

Legal Notices

Personal Vision Planning is a registered trademark of Carver Financial Services.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, Certified Financial Planner, and CFP in the United States.

Barrons Top 100 Independent Financial Advisors, 2018. Barrons is a registered trademark of Dow Jones & Company, L.P. All rights reserved. The rankings are based on data provided by over 4,000 individual advisors and their firms and include qualitative and quantitative criteria. Data points that relate to quality of practice include professionals with a minimum of seven years financial services experience, acceptable compliance records (no criminal U4 issues), client retention reports, charitable and philanthropic work, quality of practice, designations held, offering services beyond investments offered including estates and trusts, and more. Financial Advisors are quantitatively rated based on varying types of revenues produced and assets under management by the financial professional, with weightings associated for each. Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients risk tolerance than by an advisors investment picking abilities. The ranking may not be representative of any one clients experience, is not an endorsement, and is not indicative of advisors future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. Barrons is not affiliated with Raymond James.

The Forbes ranking of Best-In-State Wealth Advisors, 2019, developed by SHOOK Research, is based on an algorithm of qualitative criteria and quantitative data. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weighs factors like revenue trends, AUM, compliance records, industry experience, and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Out of 29,334 advisors nominated by their firms, 3,477 received the award. This ranking is not indicative of an advisors future performance, is not an endorsement, and may not be representative of individual clients experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with Forbes or Shook Research, LLC.

The FT 400, 2018 was developed in collaboration with Ignites Research, a subsidiary of the FT that provides specialized content on asset management. To qualify for the list, advisors had to have ten years of experience and at least $300 million in assets under management (AUM) and no more than 60 percent of the AUM with institutional clients. The FT reaches out to some of the largest brokerages in the United States and asks them to provide a list of advisors who meet the minimum criteria outlined above. These advisors are then invited to apply for the ranking. Only advisors who submit an online application can be considered for the ranking. In 2018, roughly 880 applications were received and 400 were selected to the final list (45.5 percent). The 400 qualified advisors were then scored on six attributes: AUM, AUM growth rate, compliance record, years of experience, industry certifications, and online accessibility. AUM is the top factor, accounting for roughly 6070 percent of the applicants score. Additionally, to provide a diversity of advisors, the FT placed a cap on the number of advisors from any one state thats roughly correlated to the distribution of millionaires across the United States. The ranking may not be representative of any one clients experience, is not an endorsement, and is not indicative of an advisors future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. The FT is not affiliated with Raymond James.

This book is dedicated to our clients who we have the honor and privilege of serving and the pleasure of seeing them achieve their personal goals and vision. This book is also dedicated to the entire team at Carver Financial Services Inc., who collectively service our clients and have refined the ideas in this book. I am grateful for all I have learned from both.