A ClearPlan employs holistic wealth management, integrating all aspects of your finances. The following financial topics, if applicable, should be reviewed as part of an effective comprehensive plan:
Extraordinary life events such as Divorce, Disability, Terminal illness, Job change, Special needs dependants, Monetary windfalls and inheritances.
Depending on your specific needs, we work with your existing personal and business advisors or recommend experienced, vetted professionals for services that we do not offer.
We identify how each financial decision impacts the other areas of your finances. By evaluating just one planning component such as the tax impact of an estate or investment planning strategy, you start to recognize the value of investing in a financial plan. For example, buying a particular investment product might help you pay off your mortgage faster or it might delay your retirement significantly. We analyze all aspects of your finances, identifying and mitigating risk, while seizing opportunity for you to accomplish your life goals.
Consultation services focus on specific financial areas of concern or interest depending on your needs. Services are available on an hourly retainer or yearly retainer fee.
Our experienced investment professionals focus on custom asset allocation strategies utilizing a multi-asset class approach designed to reduce risk without sacrificing return. Our firm’s approach evaluates your unique tax, estate and investment circumstances to provide a best-fit portfolio.
Helping business owners manage business and personal finances takes a multidisciplinary approach. We understand the need to help business owners and entrepreneur’s coordinate the complexities of tax, estate, insurance, pension and fringe benefits. We view a business as an asset whose value can be maximized as part of an overall financial plan. We serve as advisors for retirement plans, meeting regularly with plan sponsors and employees. We see each employee as a valued part of your business and take the extra step to help explain in patient detail, the value of saving for retirement.
We offer a broad range of non-proprietary insurance including term and permanent life insurance, disability insurance, and long-term care insurance. As independent insurance agents we work on the clients behalf to find competitive rates from multiple carriers.
Money Purchasing Plans
Profit Sharing Plans
Disability Income Insurance
TheTeam@clearplanfinancial.com | 716-312-7424