Our Services

I am dedicated to helping you pursue your investment goals by providing personal attention and quality services.

How I help you succeed

I provide cost-efficient portfolio construction, comprehensive wealth management, and ongoing discussions to earn your confidence and help you pursue your goals.

My services

I offer a range of planning resources and services to help you reach your goals:

  • Comprehensive portfolio management
  • Investment strategies
  • Income distribution
  • Ongoing investment monitoring
  • Insurance solutions
  • Estate planning
  • Periodic reviews
  • Cash flow and tax planning
  • Retirement planning
  • Financial planning
  • Wealth management
  • Coordination with other professionals

How I communicate with you

Scheduled outreach includes regular planning reviews, check-ins, ongoing education opportunities, and our informative client newsletter. You can also count on a response within 24 hours whenever you contact me with a question or concern.

My fee structure

My investment advisory practice is fee based. My annual advisory fees are calculated simply as a percentage of assets under management. My fees are not based on trading activity or commissions.

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following products and services.

Carver Capital offers independent financial management and advice to individuals and businesses in the following key areas:

Retirement planning

Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement.

Investment Planning

Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.

Risk management

Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your situation.

Education funding

Recommending investment and accumulation strategies to help you pay for your children's education.

Estate planning

Reviewing your wills and trusts. Helping preserve your estate for your intended heirs. Helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors.

Tax management

Looking for ways to help reduce your current and future tax burden. Referring you to qualified tax specialists.

Employee and executive benefits

Helping your business attract and retain qualified employees through benefit packages.

I provide an array of financial analysis, alternatives, and solutions including:

Investment Analysis

  • Identifying capital, contribution and return requirements to meet objectives
  • Building cash reserves
  • Educating on alternatives pros/cons
  • Asset allocation: attempting to reduce risk/ enhance rate of return by balancing assets

Risk Management Planning

  • Helping clients with a game plan for:
  • Disability or illness
  • Premature death
  • Reviewing current insurance

Retirement Planning

  • Dealing with lump-sum distributions
  • Projecting early or late retirement
  • Income-generating strategies
  • Minimizing tax liabilities

Estate Planning

  • Protecting privacy
  • Preserving family wealth
  • Charitable giving

Investment products

  • Money markets
  • Treasury bills, notes and bonds
  • Bonds (taxable and tax-free)
  • Mutual funds
  • Real estate investment trusts (REITs)
  • Limited partnerships
  • Annuities (fixed and variable)
  • IRAs, SEPs
  • 529 plans

Insurance Products

  • Individual and group life (term, fixed/variable, universal)
  • Group health
  • Long-term care
  • Private pension
  • Key person insurance

Business Products and Services

  • Qualified plans: 403(b), 401(k), Profit Sharing
  • Pension planning
  • Deferred compensation strategies


*For a comprehensive review of your personal situation, always consult with a tax or legal advisor.  Neither Cetera Advisors LLC nor any of its representatives may give legal or tax advice