$ 650*

 

Flat-fee financial plan and one year of our online, self-directed financial plan software

 

Note: Does not include specific investment recommendations

 

*Discounted rate of $550 for K-12 educators and investors with balances of $50,000 or greater in CAM portfolios

Goals-Based, Expert Assisted Financial Planning

Flat-fee Financial Planning Advice for Retirement, College Saving, Etc.

 

60 minute advisor phone call and email support for 6 months

 

Best-in-class online portal to monitor cash flow, run financial calculations, and monitor your investments and progress

 

Integrate all of your investments with a financial plan.

 

Retirement Horizon Plan
$550 CAMS / $750 Non-CAMS
Flat-fee, option to renew

    A retirement projection to review your specific risks and opportunities

    Best-of-class total online financial management system to monitor your finances and plan

    Unlimited email access to an advisor

  Note: This plan does not include specific investment recommendations without CAMS service

    Unlimited email access to an advisor

Investment Plan
$550*
Flat-fee, option to renew

    Online investment recommendations for

      your entire portfolio

    Portal system that decreases the risk as

      you come closer to your goals

    Recommendations specific for your

      specific mix of investment accounts:

      401(k), 403(b), IRA, Roth, SEP, SIMPLE,

      Solo 401(k), 457, etc.

 

    Unlimited email access to an advisor

Define your goals

Retirement. College. Whatever it is, money is simply a tool to reach our goals. 

 

We recommend investing for goals  - rather than simply answering a few questions about your feelings - and so accounts can be allocated to an individual goal (like a 529 Plan for college), or used for multiple goals. 

 

Load your accounts

Input your online account information and we'll import our assets and investment information and apply it towards your goals.

 

Our software utilizes Yodlee, a provider of account aggregation to the largest financial services companies. You can learn more about Yodlee's privacy and security services here.

We'll send our observations and recommendations

Once we have your information, we will review it and schedule a call to provide an initial review of your overall financial goal strategies.

 

Monitor and update

Your dashboard will keep you up to date on your investment allocation and progress.

 

Need more help?
We're here for you.

When you need more help with your financial plans, let us know. You have a nationally recognized and award-winning financial firm at your service. 

 

We offer as-needed and à la carte financial planning, retirement planning, college planning, etc. 

 

How We're Different
  • Totally and completely independent. Many retirement plans will provide free advice or a cookie-cutter investment allocation. As an independent advisor, we provide advice in your interest alone.

  • Best-in-class tools. Clear.Investments clients have access to the same online tools accessible of Wealth Management clients of Clear Financial Advisors.

  • A proven philosophy. Not only do we have an investment philosophy, it is one based on science rather than guessing, a crystal ball, or gambling. 

Clear.Investments Benefits
  • Risk maximizing (Tilt investing) 1                             +2.18%      

  • Use of cost conscious passive investments 2         +0.75%

  • Automatic rebalancing 3                                         +0.50%

  • Asset location 4                                                        +0.52%

​                                                                            +3.95% per year​​

 

​Additional quantifiable benefits

  • Tax benefits (tax-loss harvesting, use of and review of tax-efficient funds and tax-advantaged accounts) 

  • Intentional use of asset class investments, rather than relying on the luck of an investment manager

 

Non-quantifiable benefits

Not having to rely on guessing, emotions, gimmicks, crystal balls, or the lottery.

Process

  1. Complete your online profile.

  2. Add your accounts online and add your financial goals.

  3. Our software helps you measure the trade-offs between taking investment risk, saving more, and working longer to make sure your plan works.  

  4. We'll schedule a call to review your plan in greater detail.

  5. You will have access to your online portal for use in the future. 

1. Clear.Investments utilizes a portfolio approach that seeks to maximize risk-adjusted returns by diversifying our equity allocation over multiple asset classes, and by investing in short to mid duration investment grade bond funds. See Disclaimer page for details. 

2. The difference between the average expense ratio of a low-cost, diversified portfolio with an annual expense ratio of 0.37% and the average expense ratio of active mutual funds as researched by William F. Sharpe's publication The Arithmetic of Investment Expenses, Financial Analysts Journal, March / April 2013.​

3. Swenson, D. (2005). Unconventional Success. Pp. 195-196. 

4. Blanchett, D & Kaplan, P. (September 8, 2012). Morningstar Investment Management. Alpha, Beta, and Now... Gamma. 

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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.

 

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