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CLEAR.INVESTMENTS

is a service of

Clear Financial Advisors, LLC

39111 Six Mile Road

Livonia, MI 48152

 

Past performance is not indicative of future results. Differences in account size, timing of transactions and market conditions prevailing at the time of investment may lead to different results, and clients may lose money. Clients should consult with their personal tax advisors regarding the tax consequences of investing.

Clear Financial Advisors uses independent firms such as Betterment, TIAA, and TD Ameritrade, Inc. to custody client assets. Betterment, TIAA, TD Ameritrade, Clear Financial Advisors and the other entities named are separate and unaffiliated firms. Betterment, TIAA, and TD Ameritrade do not endorse or recommend any financial advisor and the use of the Betterment, TIAA or TD Ameritrade logos does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.

 

© 2016 CLEAR FINANCIAL ADVISORS, LLC | Legal

Online, Independent ETF Investment Advisor for your 401(k), 403(b); Personal IRA, Roth, and Brokerage Accounts. Virtual Fee-Only CFP® certificant.

Automated investment management with a human touch.

Clear Account Management (CAM)
Flat-Fee Employer Plan Recommendations
Starting at $250*
Flat-fee initial review, monthly ongoing

    Online investment recommendations for

      your specific account

    Portal system that decreases the risk as

      you come closer to your goals

    Recommendations specific for your

      specific 401(k), 403(b), or 529 Plan

    Our investment selection is customized

      to your chosen investment provider**

    Unlimited email access to an advisor

      for a limited period

** Flat-fee service is limited to retirement accounts with limited menus; excludes self-directed accounts

Holistic Investment Management with a Philosophy
0.50%
Annualized, Billed Monthly

    Holistic management across your

      accounts

    Portfolio contruction based on your goals

    Best-in-class web portal with investment,

      cash management, and planning tools

    Types of accounts we manage:

        Taxable Brokerage, Trusts

        IRAs, Roths, SEPs, SIMPLE, Solo-401(k)

        Education Savings Accounts (ESA)

        Health Savings Accounts (HSA)

Virtual Financial Consultation for Retirement & College Planning
Starting at $450*
Flat-fee initial review, monthly ongoing

    A holistic, online financial plan

    60-minute call with a financial advisor to

      cover the results

    Unlimited email access to an advisor

    Best-in-class web portal with investment,

      cash management, and planning tools

 * Starting amounts are discounted for 

K-12 educators, CAM investors or employer plan advice participants

 

HOW

IT WORKS

 Invest in the same philosophy and personal service previously only available to the clients of exclusive Wealth Managers and Investment Advisors. 

MOBILE ACCESS

Check account information, transfer money, and receive alerts... all from your device.

SIMPLE SETUP

Answer a few questions, e-sign your documents, and we'll help with transferring or linking bank accounts to fund your saving.

ACKNOWLEDGED EXPERT

Unlike many online investment firms created by technology gurus, we know a thing or two about finances.

SUPERIOR TAX DESIGN

Our plan isn't cookie-cutter, but customized across accounts in a holistic plan for you personally.

BETTER DIVERSIFICATION

Our plans use our G/P/S Investing™, 'any economy' investment philosophy.

AUTO REBALANCING

Rebalancing across your accounts takes advantage of asset location.

Meet Your Virtual Financial Advisor...

Rob Schmansky, CFP®, EA

 2013 PlanPlus Global Financial Planning Awards North American Finalist

 2015 Investment News Top 40 Under 40 in Financial Planning Award Winner

 2017 Investopedia Top 100 Influential Advisor

 >15 years of planning and tax experience

 Blogger and investment expert whose writing has appeared in several publications

 Enjoys audiobooks, coaching lacrosse, and blogging

Learn the Secrets Other Online Investment Services Don't Want You To Know...

Online "Investment Advisors" make several claims about their services and benefits. What they don't explain is...

 

On the other hand, traditional, human financial advisors: 

  • Are experienced. Online advisors to date are less experienced, over-worked, and won't be the advisor that takes you through retirement. 

  • Have better technology. Aside from a fancy sales website, new online advisors are years behind traditional advisors in technology and tools. 

  • Know the details of you. Online advisors are experts at trading. So are we. We're also experts at you

  • Have better investment approaches. You are unique. You deserve something more than a cookie-cutter investment plan. 

  • Do not mislead you on their value. Online advisors are selling tax-efficient investing strategies that add little value. Traditional Fee-Only advisors act as fiduciaries who are required to act in your best interest, not sell you on strategies that do not add value. 

 

And... Traditional investment advisors want to work with you! 

 

Technology is allowing traditional financial advisors to work with a wider range of clients. No longer do you need to find someone in your local community, or have millions of dollars in order to have experienced financial help.