ClearView Process
Transparent and Personal
1. Explore — Start With Clarity
Purpose: Build trust and ensure fit.
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Complimentary intro call or meeting.
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We learn about your goals, concerns, values, and what a fulfilling financial future looks like.
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You learn how our fee-only, fiduciary approach is different — no product sales, no commissions, just advice in your best interest.
💡 Outcome: You decide if our planning style and approach are the right fit.
2. Define — Set the Foundation
Purpose: Move from exploration to engagement.
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Discuss and agree on scope of services, expectations, and timelines.
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Review our AUM-based fee structure (fully transparent and simple).
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Sign advisory agreement and begin onboarding.
✅ This is the official transition from prospect to client.
🔁 Account transfer process begins:
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Custodian paperwork completed with Charles Schwab.
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We assist in consolidating and simplifying account structure.
3. Discover — Gather What Matters
Purpose: Understand your full financial picture.
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Collect personal and financial data securely.
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Explore your goals, values, priorities, family dynamics, and preferences.
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Assess cash flow, taxes, investments, insurance, estate documents, and more.
📘 CFP Principle: "Understanding the Client’s Personal and Financial Circumstances"
4. Design — Build Your Custom Plan
Purpose: Turn complexity into clarity.
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Analyze current course of action.
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Identify opportunities, risks, and trade-offs.
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Create recommendations aligned with your goals — from retirement income to tax efficiency and estate planning.
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This is where we build out your Investment Portfolio — you can visit our Investment Philosophy page to learn more.
🛠️ You get a comprehensive, written plan and a customized investment portfolio for your specific goals.
5. Implement — Make the Plan Real
Purpose: Put the plan into motion.
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Prioritize action steps and assist with execution.
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Coordinate with your tax/legal professionals or refer from our vetted network.
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Portfolio implemented using a disciplined, low-cost approach.
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Ongoing rebalancing and tax-loss harvesting where applicable.
🔄 Fee-only model means we act 100% in your best interest — always.