Tailored Strategies for Your Wealth
Prioritizing people over products, a true fiduciary standard.
Wealth Advisory Services
INVESTMENT MANAGEMENT
Optimize your financial assets. Utilizing a sophisticated blend of strategies tailored to your financial goals, we design personalized portfolios to optimize your financial goals, balancing risk and maximizing returns.
PORTFOLIO & RISK ANALYSIS
We assess your portfolio’s performance and risk, aligning investments with your goals, philosophy, and tax strategy. By analyzing fees, costs, and taxes, we help you make informed decisions to maximize returns and enhance financial well-being.
PORTFOLIO CONSTRUCTION
Customized, diversified portfolios tailored to your objectives, risk tolerance, and tax efficiency. We ensure that our client’s investments are optimally allocated across various asset classes to maximize returns and minimize risk.
CONSOLIDATED REPORTING
Compile all your investment data into one easily accessible document with clear, concise, and comprehensive reports. Track investment progress over time compared to relevant benchmarks.
REBALANCING
Regular adjustments ensure your portfolio stays aligned with your goals, even as markets shift. We check in with you each quarter to evaluate liquidity needs and ensure your portfolio is aligned with your growth and income needs.
TAX OPTIMIZED INVESTING
Tax optimized investment strategies, like tax loss harvesting minimize taxes and boost after-tax returns by strategically offsetting gains with losses. Keep more of your hard-earned money by optimizing after-tax returns.
Unlock the Potential of Private Market Investments
For affluent clients seeking to diversify and enhance their portfolios, we offer private market investment opportunities with the potential for superior returns. By investing in private equity, venture capital, real estate, or private debt, you can access high-growth companies, exclusive assets, and emerging industries that are often unavailable in public markets. These investments can provide enhanced diversification, reduce market volatility exposure, and open doors to long-term value creation. While they come with longer investment horizons and limited liquidity, the rewards for those who understand the opportunities can be substantial.
Insurance and Risk Management
Our comprehensive insurance services help clients assess a variety of risks and protect their assets and financial future. We provide a suite of insurance services and risk management solutions tailored to each client’s needs, ensuring that you and your loved ones are financially secure in any circumstance.
Financial planning goes beyond just saving for the future—it’s about protecting your legacy. Creative life insurance strategies provide innovative solutions for tax-efficient wealth transfer and long-term financial security. Reduce your tax burden, protect your assets, and create a plan that ensures your loved ones are secure.
For business owners, insurance plays an important role in a variety of advanced planning areas including estate planning, business succession planning, charitable planning, and retirement planning.
Life Insurance Policy Audit & Review(PAR)
Do you understand and have you recently evaluated your current life insurance policies?
The Policy Audit and Review (PAR) program is our own proprietary policy audit process grounded in three generations of advanced life insurance planning experience. The PAR process helps ensure your life insurance aligns with your financial goals. We assess the performance, costs, and relevance of each life insurance policy, recommending adjustments as necessary to meet your evolving needs.
Step 1
Client Interview
Step 2
Gather Data
Step 3
Interpretation of Data
Step 4
Policy Analysis
Step 5
Company Evaluation
Step 6
Recommendations
Your policy audit is a comprehensive evaluation of all policy data, including premiums, cash values, expenses, cost basis, taxable gains, and more. This analysis assesses how long your policies will last with planned premiums and identifies options for extending longevity with different premium levels. You’ll also see comparisons to current market policies and financial value measured through IRR (internal rate of return).
Elite Underwriting Process
The medical underwriting process can be inconvenient and intrusive, but it doesn’t have to be. By using a proprietary “informal” underwriting process, 90% of the work is completed BEFORE any application is submitted.
Client
Interview
Accessing Medical Records
Offer
Negotiation
Insurance
Exams
Application
Preparation
Final Review and Approval
With a detailed medical questionnaire and HIPAA Authorization, your medical records are retrieved for internal review, protecting your identity from MIB (Medical Information Bureau) exposure. This process allows you to receive pre-qualified underwriting offers and often leads to better results, including lower premiums.
Advanced Legacy Planning
At Clear Advice, we specialize in advanced insurance planning tailored for high-net-worth individuals, families and business owners. Whether it’s designing life insurance strategies for estate tax mitigation, asset protection, or business continuity planning, our approach goes far beyond simply selling a product. As an independent advisory firm, we’re not tied to any single carrier or commission-driven agenda—giving us the flexibility to evaluate a wide range of solutions and structure them in alignment with your broader financial, tax, and estate planning goals. This ensures your risk management strategy is not only cost-effective, but fully integrated into the rest of your long-term wealth plan.
Proactive Advice. Same Fee. No Brainer.
From tax optimization and wealth transfer strategies, we do the work your money manager isn’t – you’re already paying an advisory fee so why not get the clear advice that you deserve?
