Our Firm

Our Firm

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Clear Perspective Advisors is an SEC-registered investment adviser that provides individual and institutional clients with comprehensive financial planning strategies, investment advice, asset allocation and portfolio construction recommendations. Registration does not imply a particular level of skill or training. Our Founding Partners have decades of investment experience and more than 20 years experience working closely together delivering results to clients. Our independence provides a Clear Perspective on all the investment options available in the marketplace.

We strive to understand our clients’ current financial circumstances, investment objectives, required income, risk tolerance, and return expectations. We then customize a plan that is tailored to meet those specific needs. Our boutique-style approach provides you with personal, well-researched access to nearly every financial service, investment strategy, and product available.

The Firm is committed to excellence but never at the expense of its guiding principles and values in the way it treats its clients, its associates, and its vendors. We seek success, but not at the expense of our respect for the individual. We currently have offices located in Aurora and St. Charles, Illinois.

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Jonathan Hylton, CFP®
Wealth Advisor
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Jonathan Hylton, CFP®, Wealth Advisor

Jonathan is a Certified Financial Planner™ and has served as a financial adviser since 1999. He began his financial career at Merchants National bank in 1996. At Old Second, Jonathan worked as a Vice President to help build the Wealth Management Group. In July, 2011, Jonathan and his partners launched Clear Perspective Advisors.

Jonathan received an MBA certificate from Aurora University in strategic sales management and earned his bachelor’s degree magna cum laude in accounting and marketing from Aurora University. Jonathan currently serves as the Treasurer & Board Member for the Aurora Civic Center Authority (a position appointed by Aurora Mayor Tom Weisner in 2012 & reappointed in 2016) as well as being a board member on Serenity House Counseling Services in Addison & the CASA Kane County Chairman’s Advisory Panel. Also in 2016, Jonathan was added as a Board Member/Director at the Bank of Montgomery.

jhylton@clearperspectiveadvisors.com
630-780-1712

Education & Professional Designations

Aurora University, B.A.
Certified Financial Planner™ (CFP®)

Community Involvement

CASA Kane County, Chairman’s & Advisory Panel since 2012
Aurora Civic Center Authority, Board Member since 2012
A+ Foundation for West Aurora Schools, Board Member from 2012-2014
Serenity House Counseling Services, Board Member since 2015
Bank of Montgomery, Director/Board Member since 201

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Michael J. Morcos,
Wealth Advisor
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Michael J. Morcos, Wealth Advisor

Michael has been working in the financial services industry since 1994. He most recently was a Senior Vice President of Old Second Wealth Management. At Old Second, Michael was responsible for research and security selection for a portion of the firm’s equity common trust funds. He initially covered companies in the consumer staples and industrial economic sectors. Later he added technology and alternative assets to his responsibilities and in 2010 Michael was named head of the Old Second Diversified Equity Fund.

He has appeared on CNBC, Bloomberg television, and Fox Business. In July, 2011, Michael and his Partners launched Clear Perspective Advisors. Michael earned his bachelor’s degree in Economics from the University of Illinois and his MBA from DePaul University. He is a Board Member of the Dunham Fund and the Aurora Chamber of Commerce.

mmorcos@clearperspectiveadvisors.com
630-780-1711

Education & Professional Designations

University of Illinois, B.A.
DePaul University, M.B.A.

Community Involvement

Dunham Fund, Board Member
Aurora Chamber of Commerce, Board Member

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Stewart A. Beach, CFA, CFP®
Wealth Advisor
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Stewart A. Beach, CFA, CFP®, Wealth Advisor

Stewart is a Certified Financial Planner™ and a Chartered Financial Analyst, with over 25 years of investment and analysis experience. I have been able to establish long-term relationships with clients that are founded on respect for each one as an individual. My priority is to listen to and understand my clients’ needs and plans, in order to develop a personalized strategy that will help them achieve their goals. Regardless of asset size or income level, every client is assessed individually on their investment objectives, risk tolerance, emotional reaction to volatility, required income and return expectations. With my risk management experience, I can create strategies customized for each client. As needs change for clients and as markets fluctuate, I take great care in analyzing current conditions to readjust our strategy, ensuring I am meeting my clients’ needs. My experience has allowed me the opportunity to appear on Bloomberg Television and provide financial analysis and commentary for TheStreet.com, BusinessWeek.com, and other local media.

Experience

Principal – Clear Perspective Advisors

In July, 2011 Stewart and his partners launched Clear Perspective Advisors. As an owner and advisor at Clear Perspective Advisors, I, along with my partners ensure all individual and institutional clients are given individualized, comprehensive financial planning strategies. We pride ourselves on our boutique style approach, which provides each client with personal, well researched access to nearly every financial service, investment strategy and product available. We also work with 401 K plans, IRA rollovers, insurance planning and strategies, Endowments, Profit Sharing Plans and Trusts.

Executive Vice President Wealth Management at Old Second National Bank

As head of the Wealth Management Department, I led a staff of over 30 in all aspects of this business including brokerage, investment management, fiduciary and retirement benefit services. Total assets were in excess of 1 billion. I chaired the investment committee from 1999-2011. I was also responsible for personally managing the following types of accounts: the multi-million dollar bank investment portfolio, Common and Collective trust funds (a mutual fund like instrument for trust clients), and large individual and institutional clients including pension funds, endowments, foundations, company retirement plans, corporate accounts and public funds. I developed risk management procedures to help protect clients and the bank.

Commissioned Bank Examiner for the FDIC

Here I was designated as a capital market specialist. I examined financial institutions for safety and soundness. I taught financial analysis in Washington DC as part of the FDIC’s training program. During my time there, I helped develop a joint financial analysis training package with the Federal Reserve Bank of Kansas City.

sbeach@clearperspectiveadvisors.com
630-780-1710

Education & Professional Designations

University of Nebraska, B.A. (Magna Cum Laude)
Chartered Financial Analyst
Certified Financial Planner™ (CFP®)

Community Involvement

The Dunham Fund, Board Member
Aurora Library, Board Member
Plum Landing, Board Member

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Nicholas A. Latko, M.B.A., CFP®
Wealth Advisor
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Nicholas A. Latko, M.B.A., CFP®, Wealth Advisor

Nick is a Certified Financial Planner™ and has been working in the financial services industry since 1997. Nick has a diverse background in financial planning. He started his career at Metrobank in the Quad-Cities. He then moved to Aurora where he worked at Old Second National Bank for almost 10 years. In 2011, Nick and his team left the bank to form Clear Perspective Advisors. Nick currently resides in Aurora, IL with his wife Raquel and their two children.

nlatko@clearperspectiveadvisors.com
630-780-1713

Education & Professional Designations

St. Ambrose University, B.A.
Aurora University, M.B.A.
Certified Financial Planner™ (CFP®)
State of Illinois Life Insurance License
FINRA Investment Licenses 7, 63, 65

Community Involvement

First Tee of Aurora and Fox Valley, Board Member
Presence Health Mercy Medical Center Foundation, Board Member and Treasurer
Triple Threat Mentoring, Junior Board Co-Chairman and Volunteer

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Greg Gregory, CRPS®, CFP®

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Greg Gregory, CRPS®, CFP®

Greg Gregory came highly recruited from The University of Iowa where he earned his Bachelor’s degree in Finance, with a Minor in Risk Management and Insurance. He developed a strong passion for personal finance during his time at The University of Iowa. Greg obtained his insurance licenses in the Summer of 2012 when he interned at MetLife Financial Services. After completing his bachelor’s degree, Greg acquired his Series 7 and 66 in the Fall and joined the Clear Perspective team in December 2013. Greg serves on the CASA Kane County Chairman’s Advisory Panel.

ggregory@clearperspectiveadvisors.com
630.780.1717

Education & Professional Designations

Chartered Retirement Plans Specialist™ (CRPS®)
Certified Financial Planner™ (CFP®)

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Dayle Malone, CFA
Wealth Advisor
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Dayle Malone, CFA, Wealth Advisor

Dayle began his investment career in 1993 as an investment officer for Firstar Bank. After working there for 4 years he took on the role of Vice President at Old Second Wealth Management. After 15 years at Old Second, Dayle joined Clear Perspective Advisors as a Wealth Advisor/ Strategist in 2013. Dayle holds a Chartered Financial Analyst designation. He also has an undergraduate degree from Arizona State University and an MBA from Illinois Benedictine University.

dmalone@clearperspectiveadvisors.com
630.780.1716

Education & Professional Designations

Bachelors Degree from Arizona State University
MBA Illinois Benedictine University
Chartered Financial Analyst

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Erica Wiggins, CFP®
Senior Operations Manager
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Erica Wiggins, CFP®, Senior Operations Manager

Born and raised in Aurora, Erica joined the Clear Perspective team in the Summer of 2012. Initially a part time associate she progressed to full time upon graduating summa cum laude with her B.A. from Northern Illinois University in December 2012. In the following Spring Erica attained her series 7 and series 66 licenses.

ewiggins@clearperspectiveadvisors.com
630-780-1715

Education & Professional Designations

Bachelors Degree from Northern Illinois University
Certified Financial Planner™ (CFP®)
Finra licenses 7 & 66

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Aimee Rogowski
Client Service Representative
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Aimee Rogowski, Client Service Representative

Aimee joined our team in August, 2016 as Executive Assistant. Aimee has a varied background in event planning, project management and office administration, with a little marketing along the way as well. She handles our client events, receptionist duties in the office, and various other administrative tasks. She is the friendly voice that will most likely greet you when you call the office.

arogowski@clearperspectiveadvisors.com

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Amy Holbrook
Operations Manager
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Amy Holbrook, Operations Manager

Amy joined the Clear Perspective team in March of 2018, bringing over 24 years of experience diligently serving clients in the financial services industry. Amy began her career in financial services in 1995 at an RIA in Newport, Rhode Island while her husband was serving in the United States Navy. Working with multiple custodians and clients directly, Amy strives to meet our client’s needs by providing assistance in a timely, friendly and proactive manner. Amy is based in our St. Charles office.

aholbrook@clearperspectiveadvisors.com

How We Invest

Investors who follow a plan have a higher probability of achieving their goals than those who act on their emotions or make frequent changes based on the events of the day.
Two of the central tenets of our investment process are portfolio construction and risk management. We believe that thinking and acting for the long-term is paramount and this lies at the center of how we manage client portfolios. Behavioral counseling, a balanced investment plan and consistent communication are the tools we employ to help our clients reach their financial goals.
While we focus on long-term returns, we understand that today’s needs must be balanced with a client’s future objectives.
With a constant focus on risk management, we’re always looking to balance shorter-term fears with longer-term needs and objectives, so that clients can remain comfortably committed to their plan.

Our Principles:


Integrity

Transparency

Humility

Communication

Accountability

Integrity

Adhering to a code of moral and ethical values provides the foundation for everything we do. We value and honor the trust clients place in us and always put their interests first. No matter which team member you contact, the message and the mission will be the same.

Transparency

We are committed to a fiduciary relationship with our clients. This means your interests must come first. Clear Perspective Advisors is not encumbered by the typical conflicts found in full-service brokerage firms, nor do we have an obligation to present or propose solutions aligned with the goals of management or shareholders. We work exclusively for you.

Humility

Our clients’ lives and the capital markets are dynamic and unpredictable. Because of this, even the best-laid plans can go astray. The breadth of our educational background and years of experience allow us to recognize our mistakes and see them as opportunities to better ourselves.

Communication

Too much is better than not enough. We establish a level of communication appropriate for you. We recommend at least annual and, depending on your needs, semi-annual or quarterly review meetings to monitor progress towards your goals and recommend any changes.

Accountability

We hold ourselves accountable for all of our actions. We are committed to complete transparency when working with our clients.