We serve a select group of clients for whom we can provide exceptional value and one-on-one attention.
Small To Mid-Sized
Business Owners
As a business owner, you face unique financial challenges in managing the complexities of your personal and professional finances. Not only do you want to provide for your own family, you also want to provide for your employees’ families while supporting the growth of your business. Add to that a complex tax situation and uneven cash flow, and managing your finances can quickly become overwhelming.
At Clear Financial Strategies, we understand the challenges you face, and we’re here for you. We strongly believe American-owned and operated businesses are the backbone of our country’s freedom, exceptionalism, innovation and security. That’s why we strive to serve as an advocate for small and mid-sized business owners.
Our business planning services include:
- Establishing and maintaining benefits and retirement plans to meet the specific needs of your employees
- Coordinating business arrangements, such as buy-sell agreements, business valuations, exit planning, Key Person Arrangements, etc.
- Executing custom cash flow and liquidity and business value acceleration strategies
- Implementing tax-efficient growth strategies
We understand that we can’t be experts in everything, which is why we work with various professionals to integrate solutions related to insurance and benefits planning, business valuation, estate planning, accounting and more. We serve as your financial quarterback to help ensure all aspects of your personal and professional life are working together to achieve your goals.
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Business Executives
As a corporate executive, there’s a lot of responsibility riding on your shoulders. That can make it difficult to find time to navigate your benefits and manage your finances. Don’t worry – we’ve got you covered. Our experienced professionals can help you:
- Optimize the tax efficiency of your savings, investments and benefits with a focus on maximizing returns and minimizing risk. We provide financial and tax planning strategies that take into account your base compensation as well as equity ownership, bonuses and other sources of income.
- Enhance your corporate benefits, including stock option strategies, restricted stock units, retirement plan considerations, performance awards, incentive plans and more.
- Navigate a wide range of stock option challenges, including trading windows, holding requirements and shareholder considerations.
- Provide clear, transparent financial solutions and custom advice to help simplify your financial decision-making process.
Successful Families
We understand that financial success is about more than simply accumulating assets. It’s about providing a secure future for the people who matter most to you. That’s why we take a multi-generational approach to building your wealth.
We strive to build long-term, trusted relationships with our clients and their families as we develop custom, holistic financial strategies to help achieve their goals. Your custom financial plan incorporates a wide range of solutions to meet your specific needs:
- Investment Management
- Retirement Planning
- Tax Planning
- Education Planning
- College Planning
- Business Planning
- Insurance Planning
- Charitable Planning
Using your financial goals as a guide, we develop a diversified investment portfolio to help achieve your goals. We consider all of your accounts, whether or not we manage the assets, as we build a low-cost, tax-efficient portfolio that takes into account your current financial situation, risk tolerance, time horizon, legacy goals and more.
We take an open architecture approach to building your portfolio, evaluating tens of thousands of mutual funds, stocks and ETFs in order to establish an asset allocation we believe gives you the best possible chance of achieving your version of financial success. We then continuously monitor and adjust your allocation as your life and financial situation evolve over time.
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Retirees
- Question: How many times will you retire in your lifetime?
Answer: If done correctly, only once.
- Question: How many times have we helped clients successfully transition to retirement?
Answer: Literally hundreds.
We are experienced and well versed in the challenges you face as you near retirement and can help you avoid costly mistakes.
As retirement approaches, you may begin to wonder, “Will I have enough to last a lifetime?” “How will I generate a monthly income?” “When should I begin taking Social Security?” “Will my loved ones be okay if something happens to me?”
At Clear Financial Strategies, we’re here to help you gain clarity around your retirement. By gaining an understanding of your current financial situation, future goals and any challenges you may face, we’re able to develop a custom plan that incorporates all aspects of your financial life. We believe this approach gives you the best possible chance of achieving your retirement goals.
As you near retirement, we begin shifting your portfolio from primarily growth focused to income focused based on your risk tolerance and retirement timeline. We also help you establish a monthly source of retirement income. To do so, we conduct a thorough review of your current savings, pensions, Social Security and other potential sources of income. Using this information, we establish a tax-efficient distribution strategy that takes into account your marital status, retirement goals, monthly income requirements, life expectancy and more.
We support you throughout retirement by constantly monitoring and adjusting your retirement strategy to help ensure it continues to support your ever-evolving life, legacy and retirement goals.
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