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ClearView Process

Transparent and Personal

1. Explore — Start With Clarity

 

Purpose: Build trust and ensure fit.

  • Complimentary intro call or meeting.

  • We learn about your goals, concerns, values, and what a fulfilling financial future looks like.

  • 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.

  • Discuss and agree on scope of services, expectations, and timelines.

  • Review our AUM-based fee structure (fully transparent and simple).

  • Sign advisory agreement and begin onboarding.

✅ This is the official transition from prospect to client.
🔁 Account transfer process begins:

  • Custodian paperwork completed with Charles Schwab.  

  • We assist in consolidating and simplifying account structure.

3. Discover — Gather What Matters

Purpose: Understand your full financial picture.

  • Collect personal and financial data securely.

  • Explore your goals, values, priorities, family dynamics, and preferences.

  • 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.

  • Analyze current course of action.

  • Identify opportunities, risks, and trade-offs.

  • Create recommendations aligned with your goals — from retirement income to tax efficiency and estate planning.

  • 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.

  • Prioritize action steps and assist with execution.

  • Coordinate with your tax/legal professionals or refer from our vetted network.

  • Portfolio implemented using a disciplined, low-cost approach.

  • Ongoing rebalancing and tax-loss harvesting where applicable.

🔄 Fee-only model means we act 100% in your best interest — always.

 

 

Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRASIPC,a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity. CA Insurance License# 0I59024.

 

Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns.  All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market.

This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative(s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com.

Online Privacy Policy | Important Disclosures | Business Continuity | Privacy Policy | Order Routing Disclosure

Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

FINRA's BrokerCheck: Check the background of this investment professional on FINRA’s BrokerCheck.

225 Avenue I, Suite 201

Redondo Beach, CA 90277

Contact: (310) 792-2424

Email: John@APSadvisor.com

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Nancy Gragg, CWS® AIF®
John Gragg, CFP®

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