Clearstream Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Clearstream Planning, LLC provides financial planning and related educational services to individuals, high‑net‑worth clients, charitable organizations, corporations, and other businesses. The firm delivers ongoing and project‑based planning and conducts seminars and speaking engagements, and it does not currently provide investment management or custody services, reporting zero assets under management as of December 31, 2023.
The firm’s approach centers on tailored financial plans that consider clients’ goals, risk tolerance, cash flow, and estate and tax planning needs, and it supports implementation through recommendations of third‑party custodians and other professionals. Investment advice is informed by asset allocation and modern portfolio theory and may include both passive and active fund recommendations and periodic plan reviews, while clients may impose reasonable written restrictions on advice.
Clearstream is distinctive among peers for its affiliated insurance business: the firm’s principal operates a separate insurance entity and is licensed to sell Medicare supplements, Medicare Advantage, and individual health and dental policies, a relationship disclosed as a potential conflict of interest while the brochure states the firm does not sell annuities or permanent cash‑building life insurance. The firm also offers educational seminars and accepts hourly billing for project engagements, discloses an outside business activity in tutoring that consumes a meaningful portion of the principal’s time, and recently updated its ADV to state it no longer provides investment management.
Client services
Expertise
Fee options
Fixed fees for project-based financial planning ($300 - $20,000) and educational seminars ($1,000 - $20,000); recurring fixed fees for ongoing financial planning ($500 - $1,500 monthly)
$300 per hour for project-based financial planning
Minimum fee: Initial fee up to $15,000; recurring fixed fee for ongoing financial planning from $500 to $1,500 monthly in advance Fee-only: Fixed fees ranging from $300 to $20,000 for project-based financial planning; $1,000 to $20,000 for educational seminars; $300 hourly rate for project-based financial planning
Main office
Allentown PA
Advisors at this office
1
Most active in
Pennsylvania
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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