“If you don’t know where you are going, any road will get you there” – Lewis Carroll
As an independent firm, we are committed to offering complete objectivity and unbiased advice. We offer a full range of investment and financial services and have access to a wide array of solutions.
At ClearFocus, we believe the current times require a new and higher level of financial planning. We focus on the individual first and the numbers second. The fluid nature of today's economic climate requires constant vigilance and a higher level of understanding of individual needs in order to make the decisions necessary to help our clients to reach their financial goals.
Financial decision making, be it saving, spending, investing, or insuring is complicated and difficult on your own. There is no shortage of opinions and products being offered as the "best kept secret or magic bullet" for financial success.
The old approach of a one-time “off the rack products and solutions” just won't do. The retail financial planning and investment management industry has simply become a crowded market place of salesman and products, that does not lend itself to clear and prudent decision making. Individuals and business owners are forced to diagnose their difficulties and prescribe solutions based on limited information and sales pitches. It is critical for financial success that individuals and business owners make informed decisions that are based on their specific plan and not sales pressure.
A successful financial plan, is the result of clear and prudent decision making based on your specific goals and objectives. Ours is a participatory process, contrary to “Buyer beware sales transaction.” Your plan is developed and designed with your involvement and your success in mind. And, as fiduciary stewards we monitor your plan to help make sure it stays in line with your financial objectives and goals.
At ClearFocus, we are committed to maintaining the highest standards of integrity in our relationship with you, our client.
We act in your best interest, as a true fiduciary, because we begin our planning process by understanding your situation and your financial goals. As a result, the information, services, and products we provide are always based on your specific needs and circumstances.
Our fiduciary standard also helps to insure you of constant vigilance over your financial plan. In response to the fluid nature of today's economic climate, informed decisions, based sound academic data along with economic principles are routinely recommended to help you reach your financial goals.
As trusted stewards of your wealth, we take pride in our role as partners with you on your journey.
ClearFocus provides a much-needed structure for important financial planning decisions that everyone has to make today and tomorrow. Financial success is meeting the needs of today and the opportunities and risk of tomorrow.
Our recommendations are based on the balanced application of academic research and practical applications.
We can help you execute a sound financial program utilizing the following products and services
Individualized Financial Plans
Dynamic Asset Integration
Cash Flow Management
Downside Risk Controls and Upside Captures
Academically Engineered Portfolios
Democratized Institutional Money Management
Active Asset Allocation Management
Segmented Income Planning
Individualized Income Strategies
Withdrawl Order Planning
Asset Location Strategies
Career, Major and College Alignment
Education Loan Assessment
Navigate and Evaluate Debt Options
Review Implications of Factors that Impact the Cost of Debt
Integrate Financing Options and Decision Making into Your Financial Plan
Advanced Insurance Design
Modified Endowment Planning
Property & Casualty
Long Term Care Planning
Interactive tools and up to date resources that you may find helpful.
Educational articles on topics from retirement planning and your money to estate planning and taxation.
Helpful calculators to help with making your financial decision.
Enjoyable and easy to follow to learn about different financial topics.
Managing your money involves more than simply making a budget, learn more in step by step presentations.