Our Services


Retirement Planning

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 to help them 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 achieving their retirement goals.

Financial Planning

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 to reach their financial goals.

College Planning

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.

Asset Allocation

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.