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 Financial Guidance for Your Workplace Accounts
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.
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.
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.
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
Not having to rely on guessing, emotions, gimmicks, crystal balls, or the lottery.
Add your accounts online and add your financial goals.
Our software helps you measure the trade-offs between taking investment risk, saving more, and working longer to make sure your plan works.
We'll schedule a call to review your plan in greater detail.
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.