Helping people not only get a good return on investments (ROI), but a great return on life (ROL).

Return on Life

Live   Give   Owe   Grow

ROL financial planning helps structure the four uses of money to gain the greatest ROL.  The first of the four is “Live”. 

Planning conviction: Lifestyle spending is the primary barrier to long-term financial freedom.

Television, print and other advertising media is specifically designed to create discontentment within us. The ads suggest that what we have isn’t enough but that we are in need of “more” or “bigger” or “newer” than whatever we currently think we need or have. These messages relentlessly bombard our senses and compete for our constant attention. Unfortunately when we act on the feelings these kinds of messages create within us there is a cost. The short-term joy that comes from the spending is not worth the cost of our future financial freedom.  

In the ROL process the objective for lifestyle spending is contentment. The challenge is to define what contentment means for us and align our spending toward specific goals and objectives that will help us to experience it.  Choosing contentment as a lifestyle will most likely mean prioritizing our spending on the other three uses of money (Give, Owe, Grow). We recommend a systematic “cap” on lifestyle spending that includes income increases and financial windfalls.

The principle is simply: spend less than you make and allocate the difference over the other three uses of money. Then, just like the shampoo bottle directions, rinse and repeat!  This simple strategy will create the financial margin in your life needed to accomplish your long-term hopes and dreams while enjoying everything you have received along the way.


Your life is not about making money, your money is about making a life


4201 Congress Street
Suite 210
Charlotte, NC 28209


Copyright © 2016 Carroll Financial Associates, All rights reserved.


Carroll Financial Associates

4201 Congress Street, Suite 210

Charlotte, NC 28209

Office: 704.553.8006

Direct: 704.247.2816

Fax: 704.553.9610


Registered Representative of and securities offered through Cetera Advisor Networks,LLC, Member FINRA/SIPC. Advisory services offered through Carroll Financial Associates, Inc., a Registered Investment Advisor.  Carroll Financial and Cetera Advisor Networks LLC are not affiliated companies. 

Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC.  Advisory services offered through Carroll Financial Associates, Inc., a Registered Investment Advisor.  Carroll Financial and Cetera Advisor Networks are not affiliated. Additional risks are associated with international investing, such as currency fluctuations, political and economic stability, and differences in accounting standards. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested in directly. The views are those of Michael Jette and Ben Ganson and should not be construed as investment advice. All information is believed to be from reliable sources: however, we make no representation as to its completeness or accuracy. All economic and performance information is historical and not indicative of future results. Consult your financial advisor for more information.


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