Based in Aurora and St. Charles, Illinois, 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. Our Founding Partners have decades of investment experience and more than ten 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. Our core values guide our treatment of clients, associates, and partners. Success can only be achieved with our respect for the individual.
Retirement planning is a concept that is different for each individual. Everyone has their own vision of what they would like their retirement to look like. That is why at Clear perspective Advisors we work with everyone to help them develop a plan that will allow them to achieve their financial goals in order to be able to live out their vision of retirement. We are there every step of the way to identify your sources of income, estimate your current and future living expenses, implement a monthly budget and savings plan, and manage the assets to meet your expectations. Our team approach provides the experience and knowledge that can assist our clients to achieve their retirement goals.
We believe that financial planning is the most important factor that gets overlooked by many individuals. We have implemented a process that is in line with the Certified Financial Planning Standard of Professional Conduct. On our team we have 3 individuals that currently hold the CFP® (CERTIFIED FINNANCIAL PLANNER™) designation and we currently have 2 other individuals that are seeking the designation.
The CFP Board defines financial planning as “the process of determining whether and how an individual can meet life goals through the proper management of financial resources. Financial planning integrates the financial planning process with the financial planning subject areas.”
The CFP Board Financial Planning Process:
- Establishing and defining the client-planner relationship
- Gathering client data including goals
- Analyzing and evaluating the client’s current financial status
- Developing and presenting recommendations and/or alternatives
- Implementing the recommendations
- Monitoring the recommendations
We work with every client to help them create a plan that will allow them to create a strategy to achieve all of their financial goals.
When planning for college, there are many different types of plans and methods available to save for college expenses. The sooner you start saving for college the better. There are many tax advantages that are available whether you are starting to save now or you are already starting to pay for a child that is currently enrolled in a College or University. It is important to take college planning just as serious as you do with retirement planning. There are several strategies that will allow you to either pre-pay tuition or allow your college savings to grow tax free as long as the funds are used for a qualified education expense. In most cases, the child does not have to designate a school that they are going to attend. If you are saving money in a College Savings 529 Plan in the state that you reside, the child can attend any accredited college or university in the United States.
At Clear Perspective Advisors, we believe that the asset allocation decision is the most important aspect of portfolio construction.
We focus on disciplined diversification that supports your investment objectives. We believe that inexperienced investors oscillate between greed and fear, creating potential opportunities for experienced investors. We balance the patience of long term investing with pragmatism by dynamically adjusting portfolios in an effort to manage risk and take advantage of potential intermediate term themes presented by market volatility.
Our decisions are grounded in objective research and analysis. Our open-architecture investing gives us the flexibility we need to evaluate the full range of options.
We start with a clean sheet of paper and maintain portfolio strengths while introducing ways to complement existing portfolio exposures. We strive to achieve the appropriate balance between long term strategic discipline and short term, tactical shifts to navigate volatile markets and seek optimal returns.