Clear Wave Wealth Management, LLC

Clear Wave Wealth Management provides comprehensive financial planning, discretionary and non-discretionary asset management, and financial education services to individuals (including high-net-worth clients) and participants in employer-sponsored counseling programs. The firm began operations in 2025 and, in its initial Form ADV filing, reported assets under management of $0 and generally requires a $1,000,000 minimum for managed accounts, with aggregation of household accounts allowed.

Clear Wave uses risk-tolerance questionnaires, individualized meetings, strategic and tactical asset-allocation models, and third‑party model portfolios to develop client recommendations across taxable fixed income, municipal bonds, equities, mutual funds and ETFs. The firm may manage accounts on a discretionary basis or provide non-discretionary recommendations, and it routinely uses the Fidelity institutional platform for custody, execution and reporting while also recommending unaffiliated investment managers for portions of client portfolios.

Notable distinctions in the brochure include a formal financial‑education offering and customized seminars (delivered live or via web, with fees described in the $5,000 to $100,000 range) and employer‑sponsored comprehensive counseling programs with individual fees the firm discloses can range from $1,000 to $100,000. The brochure also discloses that certain personnel act as insurance agents and may earn commissions, and that Clear Wave may recommend or select third‑party managers and coordinate services that could include tax preparation or related tax information in its planning work.