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    Ultimate Vacation: The Definitive Guide to Living Well Today and Retiring Well Tomorrow
    Ultimate Vacation: The Definitive Guide to Living Well Today and Retiring Well Tomorrow
    Ultimate Vacation: The Definitive Guide to Living Well Today and Retiring Well Tomorrow
    Ebook233 pages2 hours

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

    By Randy Carver

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    About this ebook

    Do you believe you can live well today and still prepare for the retirement you envision? Sadly, many people don't believe this is possible. The idea of retirement planning is so overwhelming that they put it off or take a misguided approach based on investments, not their personal vision and dreams. It doesn't have to be this way. You can enjoy today and retire to the life of your dreams using an innovative process that, up until now, only a select few had access to.

    With Ultimate Vacation, Randy Carver shares the Personal Vision Planning® process that he and his team have developed and refined to help thousands of clients maintain and advance their standard of living. You'll learn how to define what's important today and create a vision for what the future looks like. Retirement wasn't meant to involve stress or worry about running out of money. With Randy's guidance, you'll come away with a clear understanding of what you want in retirement and exactly how to get it.
    LanguageEnglish
    PublisherBookBaby
    Release dateDec 10, 2019
    ISBN9781544506470
    Ultimate Vacation: The Definitive Guide to Living Well Today and Retiring Well Tomorrow

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      Book preview

      Ultimate Vacation - Randy Carver

      ]>

      ]>

      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.

      Barron’s Top 100 Independent Financial Advisors, 2018. Barron’s 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 advisor’s investment picking abilities. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of advisor’s future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. Barron’s 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 advisor’s 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 60–70 percent of the applicant’s score. Additionally, to provide a diversity of advisors, the FT placed a cap on the number of advisors from any one state that’s roughly correlated to the distribution of millionaires across the United States. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of an advisor’s 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.

      ]>

      Contents

      Disclaimer

      Introduction: Retirement Is Your Vacation of a Lifetime

      Part I: Where Are You Now?

      1. Start from the Beginning

      2. Have You Been Saving?

      3. What Is Your Debt Situation?

      Part II: Personal Vision Planning

      4. Where Do You Want to Go and Why?

      5. When Do You Want to Go, and How Long Will You Be There?

      6. How Will You Get There?

      7. What Is the Right Vehicle for You?

      8. What Will You Do When You Arrive?

      9. How Can You Enjoy Today without Sacrificing Tomorrow?

      10. How Can You Insure Your Trip?

      11. You’ve Arrived—Now What?

      Part III: Other Questions to Help on Your Journey

      12. What about Social Security?

      13. Is It Possible to Retire Early?

      14. How Do You Hire the Best Guide for Your Journey?

      Conclusion: We Nag You because We Care

      Appendix A: Find Your Why

      Appendix B: Monthly Expense Worksheet

      Appendix C: Retirement Planning Worksheet

      Appendix D: Comparison of the Different Types of Life Insurance

      Appendix E: Essential Estate Planning Documents

      Acknowledgments

      Randy Carver and the Story of Carver Financial Services, Inc.

      About Carver Financial Services, Inc.

      ]>

      Disclaimer

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

      The information contained in this book does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Any opinions are those of Randy Carver and/or any other chapter authors and not necessarily those of Raymond James. Expressions of opinion are as of the initial book publishing date and are subject to change without notice.

      Raymond James Financial Services, Inc. is not responsible for the consequences of any particular transaction or investment decision based on the content of this book. All financial, retirement, and estate planning should be individualized as each person’s situation is unique. Investing involves risk, and you may incur a profit or loss regardless of strategy selected. There is no guarantee that any statements, opinions, or forecasts provided herein will prove to be correct.

      This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Keep in mind that there is no assurance that our recommendations or strategies will ultimately be successful or profitable nor protect against a loss. There may also be the potential for missed growth opportunities that may occur after the sale of an investment. Recommendations, specific investments, or strategies discussed may not be suitable for all investors. Individual investor’s results will vary. Past performance may not be indicative of future results. Raymond James does not provide tax or legal services. You should discuss any tax or legal matters with the appropriate professional.

      Any hypothetical examples or case studies presented in this book are for illustration purposes only and do not represent an actual investment or outcome. Individual cases and results will vary.

      Carver Financial Services

      7473 Center St.

      Mentor, OH 44060

      Phone: 440-974-0808

      Email: carverfinancialservices@raymondjames.com

      Website: https://carverfinancialservices.com/

      ]>

      Introduction

      1. Retirement Is Your Vacation of a Lifetime

      The deal was too good to pass up.

      At the least, that’s what Frank and Trish thought when they first signed up for their Caribbean cruise. From the moment they stepped into the cabin, however, they knew something was wrong.

      First off, their cabin didn’t even remotely resemble the one in the picture. Second, the in-cabin display said their first stop was Puerto Rico, which was not on the itinerary they had been given. They took their concerns to the crew, but they were no help, insisting that the display was wrong. This didn’t exactly put Frank and Trish at ease, but with little other choice, they headed back to their cabin, and the ship got underway—barely.

      As it turned out, the ship was broken. Frank and Trish were stuck in open waters on a ship that could hardly propel itself forward. Not only that, but the crew had lied. The trip was supposed to be to a private Caribbean island and several other ports; the ship was headed for Puerto Rico, and they had saved for a year just for this experience. Eventually, the ship made port—literally crashing into the dock in the process. The crew then asked all the passengers to disembark so they could check the ship and told them to come back around five o’clock.

      Frank and Trish returned at five as instructed, and they were immediately told to get on board with the rest of the passengers so they could depart.

      How the hell can you leave? Frank said. You just hit a dock.

      Don’t worry, the rest of your trip is going to be fine, a crewmember said, offering no other explanation.

      The rest of the trip was not fine.

      Almost immediately after getting underway, the crew informed them that because of the lost time, they couldn’t make any more of the planned stops on the trip—and they would be offering no refunds. At this point, the passengers were in open revolt, openly antagonizing the crew and demanding some semblance of an explanation. Instead, they just got more bad news: the ship’s busted engine had only gotten worse, and the ship wasn’t going to make port in Fort Lauderdale in time for anyone to make their return flights home.

      The crew opened up the ship’s Wi-Fi to allow passengers to make other arrangements, book new flights, and find a hotel for the night. Unfortunately, as the passengers soon discovered, it was Bike Week in Daytona—there were no vacancies within a two-hundred-mile range.

      Eventually, Frank and Trish found an Airbnb about seventy-five miles away. A few more ship-related fiascos later, and the couple had disembarked and were on their way to the Airbnb. When they arrived around ten o’clock that night, they found themselves locked out. The key code didn’t work, and the owner was nowhere to be seen.

      Then the lawn sprinklers came on.

      When they finally got into the house around midnight, they found the inside trashed. The beds weren’t made, dishes were everywhere, and nothing was put away. They got a few hours of sleep, and then packed back up so they could make their 6:00 a.m. flight back home—a flight they had to pay extra for, since their original flight was nonrefundable.

      Hands down, it was the worst trip of Frank and Trish’s lives, a cartoonishly bad experience that left them and their bank accounts reeling. The worst part is, they first got the idea for a trip like that on the recommendation of some friends.

      Not too

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