ClearVue’s Investment Approach
ClearVue Financial works with all sorts of investors. If you have financial goals, looking for an independent firm that will dedicate as must effort and attention to your situation as possible, our firm may be right for you.
Fee-Only Advice
We cover this topic more in-depth in our article, Fee-Based vs. Fee-Only Financial Advice. Still, to summarize here, as a Registered Investment Advisory (RIA) firm with a fiduciary obligation to our clients, we do not earn commissions by trading in your account. We also partner with third-party custodians to hold client assets on deposit, helping provide transparency and peace of mind, offering periodic account statements, performance reports, and online access.
Goals-Based Planning
We manage our client’s investment strategy by, first, establishing specific goals for time and monetary value before recommending or implementing investment decisions. Why? Again, to uphold our commitment as fiduciaries, we must understand what you are saving or investing for, aligning our investment philosophies with your pursuits, keeping everyone focused on the long term.
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Not Speculative, But Quality Investments
There are many types of investors and investments. Some ultra-aggressive, others extra-cautious. Some concerned with overperforming the market, others more focused on saving for a particular goal, garnering a good return.
As part of our firm’s due diligence, we start with a few basic (yet complex) guidelines when selecting investments:
Tenure and Data Availability. We prefer working with investments that have a minimum of 10+ years of oversight and statistical analysis; this helps us evaluate overall risk, investment style, and performance continuity.
Investment Performance. We’re continually tracking performance—usually against a benchmark—watching for trends and evaluating performance track records.
Fees and Other Costs. Investments funds have internal expenses out of our annual asset management fee. Depending on the investment type, we prefer to work with investment companies with expense ratios of less than 1% annually. Big picture, this mindset helps us keep overall portfolio costs low during our research and review process.
From there, we continuously narrow down our list of investment options per asset class, modeling them into efficiently diversified portfolios that meet our client’s objectives.
Diligent Oversight
As an investment manager, portfolio optimization is essential. In other words, our goal is to maximize portfolio returns while trying to take the least amount of risk. We do this in three ways at ClearVue:
1. Understand Your Risk Tolerance
Long-term investment success is not just about returns but understanding how much risk you can bear over the course of your investment time horizon. Generally speaking, risk tolerance refers to that feeling of exposing your hard-earned savings to varying degrees of fluctuation for higher returns.
2. Diversify Your Investments
One may think of diversification as reducing portfolio risk by holding a range of investments. While this is true, it is only part of the story. Aside from the many factors influencing risk, account size and tax bracket may also help determine whether your portfolio is assembled in a way that accurately represents your goals and objectives.
3. Frequent Account Monitoring
Volatility is a short-term reality. And, honestly, many investors lack the information or resources to benefit consistently from short-term dips. Our investment strategy focuses more on the long term which we feel helps improve your position to ride out periods of short-term volatility.
By working with ClearVue, you can be assured you are getting investment advice from a firm with your best interest in mind and at a cost that doesn't eat away at your returns.
Our Investment Management Fees
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Please schedule an appointment to discuss our planning options or send a message with any burning questions.