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 final of the four is “Grow”. 

Planning conviction: Saving is the primary way to fund long-term priorities

The primary source of wealth for most people comes from accumulation and multiplication of one’s surplus. Surplus (cash flow margin) is the difference between one’s income and expenses. The surplus must be consistently positive in order to accomplish one’s long-term objectives.

We’ve observed that it is harder to keep wealth than it is to earn it.  Many of our clients earned their income through sophisticated technical and vocational skills. However, very few of them had the professional expertise in investments to know how to build that wealth and make it grow over a period of time. Therefore, we tend to view capital preservation (not losing the accumulated investments) as a much higher priority than earning the greatest yield or greatest growth of capital.

In investing the classic trade-off is between risk and reward. It is impossible to consistently buy high-quality investments at low prices. We can’t expect that the yield on high-quality investments will be equal to the yield on high-risk, low-quality investments. We accept safety in exchange for reduction in yield or, to receive a potentially high rate of return, you must be willing to put up with greater market volatility. 

The advantage of a long-term perspective is time to compound modest yields.  We no longer are tempted to try to predict the future regarding the tops and bottoms of markets and economic cycles. We can also resist the urge to sell out of fear or to buy out of greed when the markets are going through their inevitable cycles.  

For those near or in retirement, a long-term perspective continues to be helpful. For a married couple, there's a 72% chance that one of them will live to age 85 and a 45% chance that one will live to age 90. There's even an 18% chance that one of them will live to age 95.* From an investment perspective we generally plan for a retirement lasting as long as 30 years.

In the ROL process the goal is to fund long-term priorities through saving where your return on investment (ROI) is important but not as important as the act of saving itself.

The principle is simply: Spend less than you make, save and invest the difference over a long period of time according to your specific risk tolerance.

*Vanguard study

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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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