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No information on this website should be considered a recommendation, endorsement, or legal, accounting, tax, or investment advice. 


Clear.Investments™, circle logo, three dimensional circle logo, and ClearInvestments logo are trade marks of Clear Financial Advisors, LLC, a limited liability corporation in Livonia, Michigan. 

Past performance does not guarantee future results. Investment returns and principal value will fluctuate, so that an investment may be worth more or less than its original cost. Investing involves risk, and we do not provide guarantees that an investor will make money or avoid losing capital.

Clear Financial Advisors, LLC (CFA) is a registered investment advisor. CFA may only transact business in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For non-clients of the firm, CFA's web site is limited to the dissemination of general information pertaining to its investment advisory services.​ ​


Please contact Robert Schmansky at (248) 677-1762 to find out if we may conduct advisory business in the state or country where you reside. CFA does not, and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, through this website. Any subsequent, direct communication with a prospective client shall be conducted by a CFA representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country where the prospective client resides.

We inform you that any U.S. federal tax advice contained in this document, including attachments, is not intended to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any transaction or matter that is contained in this document. You are encouraged to seek tax or legal advice from an independent professional advisor. All content is derived from sources believed to be accurate.

Clear Financial Advisors, LLC is not affiliated with the Ford Motor Company, General Motors Company, Johnson Controls Inc., the State of Michigan, Fidelity Brokerage Services LLC, FMR LLC, The Vanguard Group, HSA Bank / Webster Bank, Dimensional Fund Advisors, ING, Scottrade, Fidelity, TD Ameritrade, Scottrade or TIAA-Cref. Any information provide on this website is not investment advice.


Information and Rules from PlanPlus 2013 Global Financial Planning Awards


  • Entry is limited to someone with a recognized financial planning designation who is in good standing with a financial planning or other professional body or association. Submissions are open to anyone wishing to enter and are in no way limited to users of PlanPlus.

  • An entry fee of $50 USD must be submitted with your entry. An advisor is restricted to one entry. All proceeds from entry fees will be donated by PlanPlus to a Charity of its choice focused on financial services (i.e. financial literacy, research).

  • Only Finalists will be required to submit the actual plan document on which their submission was based (less client identifying information).

  • Pursuant to financial planning practice standards, the advisor should have an engagement agreement in place to ensure that full disclosure of all material facts has been made to the client. This includes but is not limited to: how the planner is compensated, disclosure of all commissions, fees, etc. as well as disclosure of any conflicts of interest. Failure to meet this requirement may result in a point penalty when the scoring rubric is applied.

  • The recommendations made to the client must be based on what is suitable for the client but must also clearly be in the best interests of the client.

  • The client will have the option of taking part in the interview.

  • If in the opinion of the judges there is no current entry that meets the standard that we have envisioned in creating the award, then no award will be presented in that region.

  • The Americas boundaries will be any country west of Bermuda and east of Hawaii. Russia, Africa and the Middle East will compete in the Europe region. Australia and New Zealand will compete in the Asia region.

  • Submissions will be accepted between July 1 and Sept. 2, 2013. Finalists will be announced by Sept. 6th, with Winners announced on Sept. 15th.

PlanPlus reserves the right to act as the sole interrupter to add or clarify any rules that are unclear. Our goal is to provide a forum for planners to be judged based solely on the quality of their work. We will endeavor to make every aspect of the competition as fair, transparent and as equitable as possible.

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