Website​

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No information on this website should be considered a recommendation, endorsement, or legal, accounting, tax, or investment advice. 

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Past performance does not guarantee future results. Investment returns and principal value will fluctuate, so that an investment may be worth more or less than its original cost. Investing involves risk, and we do not provide guarantees that an investor will make money or avoid losing capital.

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Clear Financial Advisors, LLC (CFA) is a registered investment advisor. CFA may only transact business in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For non-clients of the firm, CFA's web site is limited to the dissemination of general information pertaining to its investment advisory services.

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Please contact Robert Schmansky at (248) 677-1762 to find out if we may conduct advisory business in the state or country where you reside. CFA does not, and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, through this website. Any subsequent, direct communication with a prospective client shall be conducted by a CFA representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country where the prospective client resides.

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We inform you that any U.S. federal tax advice contained in this document, including attachments, is not intended to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any transaction or matter that is contained in this document. You are encouraged to seek tax or legal advice from an independent professional advisor. All content is derived from sources believed to be accurate.

 

Arrow and graph logo, Clear.Financial, Clear Money Blog, Clear.Investments, and relevant logos are trademarks of Clear Financial Advisors, LLC. 'Fiercely Independent Fiduciary Advice' and 'your fiercely independent fiduciary' are trademarks of Clear Financial Advisors, LLC. 



Clear Financial Advisors, LLC is not affiliated with Fidelity Brokerage Services, LLC, FMR, LLC, The Vanguard Group, Dimensional Fund Advisors, Scottrade, or TIAA. Any information on this website is not investment advice.



Investment Management Webpage - The Benefits of CFA Investment Management; Risk maximization (Tilt Investing)​



Data for Risk maximization is derived from comparing an equity portfolio invested 60% in the S&P 500 Index and 40% in the Barclays US Govt./ Credit Bond Index versus a 60% equity and 40% fixed income portfolio invested in a diverse mix of equity asset classes described below. Both are passively managed portfolios rebalanced quarterly. 

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Data complied by Dimensional Fund Advisors of quarterly returns from 1973-2010. Rebalanced annually. Barclays Capital data, formerly Lehman Brothers, provided by Barclays Bank PLC. The S&P data are provided by Standard & Poor’s Index Services Group. The Merrill Lynch Indices are used with permission; copyright 2011 Merrill Lynch, Pierce, Fenner & Smith Incorporated; all rights reserved. Dimensional Index data compiled by Dimensional. Emerging Markets Blended Index consists of 50% Fama/French Emerging Markets Index, 25% Fama/French Emerging Markets Small Cap Index, and 25% Fama/French Emerging Markets Value Index. Fama/French Emerging Markets, Fama/French Emerging Markets Value and Fama/French Emerging Markets Small Cap Index weightings allocated evenly between Dimensional International Small Cap Index and Fama/French International Value Index prior to January 1989 data inception. Dimensional International Small Cap Value Index weighting allocated to International Small Cap Index prior to July 1981 data inception. International Value weighting allocated evenly between International Small Cap and MSCI World ex USA Index prior to January 1975 data inception. Indexes are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results. Not to be construed as investment advice. Returns of model portfolios are based on back-tested model allocation mixes designed with the benefit of hindsight and do not represent actual investment performance.

 

Information and Rules from PlanPlus 2013 Global Financial Planning Awards

 

• Entry is limited to someone with a recognized financial planning designation who is in good standing with a financial planning or other professional body or association. Submissions are open to anyone wishing to enter and are in no way limited to users of PlanPlus.

• An entry fee of $50 USD must be submitted with your entry. An advisor is restricted to one entry. All proceeds from entry fees will be donated by PlanPlus to a Charity of its choice focused on financial services (i.e. financial literacy, research).

• Only Finalists will be required to submit the actual plan document on which their submission was based (less client identifying information).

• Pursuant to financial planning practice standards, the advisor should have an engagement agreement in place to ensure that full disclosure of all material facts has been made to the client. This includes but is not limited to: how the planner is compensated, disclosure of all commissions, fees, etc. as well as disclosure of any conflicts of interest. Failure to meet this requirement may result in a point penalty when the scoring rubric is applied.

• The recommendations made to the client must be based on what is suitable for the client but must also clearly be in the best interests of the client.

• The client will have the option of taking part in the interview.

• If in the opinion of the judges there is no current entry that meets the standard that we have envisioned in creating the award, then no award will be presented in that region.

• The Americas boundaries will be any country west of Bermuda and east of Hawaii. Russia, Africa and the Middle East will compete in the Europe region. Australia and New Zealand will compete in the Asia region.

• Submissions will be accepted between July 1 and Sept. 2, 2013. Finalists will be announced by Sept. 6th, with Winners announced on Sept. 15th.

 

PlanPlus reserves the right to act as the sole interrupter to add or clarify any rules that are unclear. Our goal is to provide a forum for planners to be judged based solely on the quality of their work. We will endeavor to make every aspect of the competition as fair, transparent and as equitable as possible.

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Ramsey SmartVestor is a marketing program to connect financial advisors who support the principles of Dave Ramsey's approach to personal finance with investors. Clear Financial Advisors and our role as a SmartVestor Pro does not imply a recommendation of or endorsement of any service or advice. Clear Financial Advisors is not affiliated with Dave Ramsey, Lampso Licensing, LLC, Ramsey Solutions or any professionals or affiliated individuals or firms. 

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