Carver Financial Services

09/08/2026

Meet Dan McGinnis, CFP®, Partner

Dan is a Certified Financial Planner and Partner at Carver Financial Services and a Registered Financial Advisor with Raymond James Financial Services. He works closely with clients on comprehensive financial planning — retirement, tax, estate, and investment strategy — and also leads the firm's ERISA and Qualified Retirement Plan work, partnering with business owners on 401(k)s, 403(b)s, and cash balance plans.

Dan's approach starts with discovery — understanding what truly matters to clients before mapping out a tax-efficient path to help them get there. He credits Carver Financial's team-first culture, built on putting the client first, the team second, and yourself third, as what sets the firm apart.

Outside the office, Dan and his wife are busy raising three children in Cleveland, staying active outdoors, and cheering on their favorite sports teams.

Learn more about Dan here:

carverfinancialservices.com

09/04/2026

Did you know the longest study ever done on adult life started back in 1938? 📚

Harvard researchers have been following the same group of people for over 80 years — through their careers, marriages, and eventually retirement.

The biggest takeaway isn't what you'd think. It's not about how much someone saved or how far they climbed at work. It's about their relationships. People with strong, close relationships in their 40s and 50s were healthier and happier in their 80s.

Something to think about as you plan for the years ahead: it's not just about the money. It's about the people you're building your life around, too. 💙

Questions, or interested in talking this through? Reach out to our team at Carver Financial Services — we're happy to help.

09/03/2026

Every election season, clients ask: "Shouldn't we do something different with the portfolio right now?"

Here's why we usually say no.

America doesn't lurch — it argues, then corrects. 2024's election was another modest swing in a long string of them, not an outlier. The Constitution is built for this: elections every two years to course-correct, and a near-impossible bar to permanently rewrite the rules.

Markets have absorbed far worse than a tense election cycle — Watergate, the 2000 recount, 2008, a pandemic and January 6th — and kept
compounding on the other side. Returns have been solid under Republican, Democratic, and divided government alike. No single outcome owns growth.

Your plan should be built around your goals and time horizon — not Washington's calendar. Let the country argue it out at the ballot box. Let your portfolio keep compounding.

carverfinancialservices.com

09/01/2026

Meet Bobbi Bruner, Chief Operating Officer
As COO, Bobbi keeps things running behind the scenes — HR, vendor relations, and coordinating training across our team. She's also a financial advisor with Raymond James Financial Services, helping clients work toward their financial goals.

What sets Bobbi and Carver Financial apart is a proactive, detail-focused approach to client service. With 27 years at Carver Financial this year, she's had the privilege of watching clients reach major milestones like retirement and sending kids to college.

Outside the office, Bobbi enjoys spending time with family, including trips to New Jersey to visit loved ones.

Learn more about Bobbi here:

carverfinancialservices.com

08/31/2026

Client Spotlight: Katie Spotz — niece of a valued Carver client — is preparing to row 10,000 miles solo across the Pacific, from Peru to Australia, over roughly 8 months at sea. Her Row for Water campaign aims to bring clean water to 100,000 people in Fiji.

We're proud to know Katie and will be following her journey.

Support her mission: https://givestar.io/gs/row-for-water-pacific-edition?utm_source=chatgpt.com

08/29/2026

Income Planning Is Having a Moment
Building wealth and living off that wealth are two completely different challenges. One is about growth. The other is about making sure it lasts and keeps showing up as income, year after year.

Decades of guiding families through exactly that transition is what shapes how this team thinks about it. If your plan hasn't shifted from one mindset to the other, that's usually worth a second look.

08/28/2026

✈️🏎️ A HUGE THANK YOU TO EVERYONE WHO CAME OUT TO WINGS & WHEELS! ❤️

We’re so grateful to our amazing vendors, volunteers, participants, and everyone who joined us and helped make the day such a great success! From delicious food and sweet treats to the incredible local support, you all made the event extra special. 🙌

Thank you for supporting our community and making Wings & Wheels a day to remember! We hope you had as much fun as we did! ✈️🏁

🍕 Fuoco wood fire pizza
🚚 Horizons Restaurant & Lounge Food Truck
🍦 East Coast Custard Mentor, Painesville and Fairview Park
🧁 Sierra’s Sips and Treats LLC

08/22/2026

The Cost Nobody Budgets For
Most retirement conversations focus on travel, hobbies, time with grandkids — the fun stuff. Healthcare costs rarely make the list, even though for many households it ends up being one of the biggest expenses of retirement.

After decades of sitting with local families through every stage of retirement, this team has seen how much of a difference it makes to build that cost in early, rather than figuring it out after the fact.

08/17/2026

The Tax Rules Keep Shifting
Retirement account rules have changed a lot these past few years — contribution limits, withdrawal ages, new strategies that didn't exist a decade ago.

That doesn't mean anything's wrong. It means it's a good time to double-check that an older plan still fits the current rules. A team that's been through multiple rounds of rule changes over the decades knows what to look for. A quick review now can save some real headaches later.