Clear Wealth Management

Clear Wealth Management provides discretionary investment management to individuals, high-net-worth clients, and small businesses, and it also offers consulting services for employer retirement plans such as 401(k) and profit-sharing plans. The firm reports managing roughly $101.8 million for about 132 clients and delivers ongoing portfolio oversight and periodic financial-plan reviews.

Its investment approach combines fundamental analysis with active management, core-plus-satellite construction, and elements of modern portfolio theory, favoring globally diversified, tax-efficient, low-cost mutual funds and ETFs while incorporating individual stocks and bonds when appropriate. Portfolios are managed on a discretionary basis with at least quarterly reviews, and the firm produces its own quarterly performance reports using time-weighted and internal rate of return methods.

Noteworthy aspects relative to peers include a defined practice of retirement-plan consulting that covers mutual fund menu development and quarterly monitoring, along with the firm’s offering of educational seminars or workshops. The firm routes client custody through a single recommended provider and discloses receipt of support services from that custodian; it does not vote client proxies, leaving voting decisions to clients.