Clearwater Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Clearwater Financial Planning, LLC is a newly registered independent investment adviser (initial SEC filing in 2026) that intends to serve individuals, families, business owners, trusts, estates, charitable organizations, non-profits and other business entities. The firm offers a Wealth Management program that provides discretionary investment management and incidental financial consulting, explicitly including financial and retirement planning alongside portfolio services, while currently reporting no assets under management.
Clearwater describes its investment process as discretionary portfolio construction, monitoring and rebalancing using a broad set of securities — including stocks, bonds, mutual funds, ETFs, REITs and, where applicable, options — and analytical methods such as quantitative and qualitative analysis, modern portfolio theory and charting. The brochure notes the firm generally avoids option strategies for managed portfolios but will address previously transferred options, and clients may impose written investment restrictions.
Distinctive items disclosed in the brochure include the firm’s explicit inclusion of financial planning services despite being a no-assets, initial-filing adviser and its statement that it does not act as a private fund adviser. The firm also discloses recommending Charles Schwab as custodian and receiving certain economic benefits from that relationship, reports limited custody when deducting advisory fees or managing SLOA arrangements, does not vote client proxies, and notes some representatives are licensed to sell insurance and may receive commissions.
Client services
Expertise
Fee options
$0 - $100,000: 1.00% $100,000 - $500,000: 0.90% $500,000 - $1,000,000: 0.80% $1,000,000 - $4,000,000: 0.70% $4,000,000 - $9,000,000: 0.60% $9,000,000 - $14,000,000: 0.50% $14,000,000+: 0.40%
Main office
828 8th Avenue
Lewiston ID 83501
Advisors at this office
3
Most active in
Idaho · Washington
Also doing business as
Clearwater Financial Planning · Clearwater Financial Planning, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
Advisors at this firm
Robert C
Series 63, Series 66
Lewiston, ID
Clearwater Financial Planning
Robert Clifford is a financial advisor with Clearwater Financial Planning in Lewiston, Idaho, holding the Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at Arbor Point Advisors, Securities America, and Kms Financial Services. He serves on the board of the Lewis Clark State College Foundation, where he monitors investments recommended by the foundation’s manager. Clearwater Financial Planning is an independent investment adviser serving individuals, families, business owners, trusts, estates, charitable organizations, and non-profits. The firm offers discretionary wealth management and financial consulting, including retirement planning, with an investment approach based on portfolio construction and monitoring across a broad range of securities and analytical methods.
Daniel M
Series 66
Lewiston, ID
Clearwater Financial Planning
Daniel Matoske is a financial advisor at Clearwater Financial Planning with 19 years of industry experience and holds the Series 66 designation. His career includes roles at firms such as Osaic Advisory Services, Arbor Point Advisors, Securities America, KMS Financial Services, and Wells Fargo Advisors. He also assists as an associate advisor with CA Financial Services, LLC. Clearwater Financial Planning is a newly registered independent investment adviser serving individuals, families, business owners, trusts, estates, charitable organizations, non-profits, and other business entities. The firm provides discretionary investment management and financial planning using a broad range of securities and analytical methods, emphasizing portfolio construction, monitoring, and rebalancing.
Jerry V
Series 66
Lewiston, ID
Clearwater Financial Planning
Jerry Van Ausdle is a financial advisor at Clearwater Financial Planning with 13 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Osaic Advisory Services, Arbor Point Advisors, Securities America, and KMS Financial Services. In addition to his advisory role, he is a licensed insurance agent assisting clients with risk management and insurance product selection. Clearwater Financial Planning is a newly registered independent adviser serving individuals, families, business owners, trusts, estates, charitable organizations, and other entities. The firm offers discretionary investment management alongside financial and retirement planning, employing a diversified approach that incorporates quantitative and qualitative analysis as well as modern portfolio theory.
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