Website

This site is only intended for clients and interested investors residing in states and countries in which Clear Financial Advisors, LLC is qualified to conduct investment advisory services.

No information on this website should be considered a recommendation, endorsement, or legal, accounting, tax, or investment advice.  

Past performance does not guarantee future results. Investment returns and principal value will fluctuate, so that an investment may be worth more or less than its original cost. Investing involves risk, and we do not provide guarantees that an investor will make money or avoid losing capital.

Clear Financial Advisors, LLC (CFA) is a registered investment advisor. CFA may only transact business in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For non-clients of the firm, CFA's web site is limited to the dissemination of general information pertaining to its investment advisory services.

Please contact Robert Schmansky at (248) 677-1762 to find out if we may conduct advisory business in the state or country where you reside. CFA does not, and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, through this website. Any subsequent, direct communication with a prospective client shall be conducted by a CFA representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country where the prospective client resides.

We inform you that any U.S. federal tax advice contained in this document, including attachments, is not intended to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any transaction or matter that is contained in this document. You are encouraged to seek tax or legal advice from an independent professional advisor. All content is derived from sources believed to be accurate.

Philosophy - $500k Portfolio Graph & Impact of Advisor and Investment Costs

The above graphs located on the webpages titled 'Philosophy' & 'Impact of Advisor and Investment Costs' are for educational purposes only to show the impact of fees on otherwise equal portfolio performance, and is not a guarantee of portfolio performance.

CFA expenses are calculated using our current fee schedule for our Clear Wealth Management (CWM) service plus 40bps representing the average cost of mutual fund holdings and transaction fees. Other investment services provided by CFA may result in a different investment outcome of either a higher or lower ending portfolio. 'Average Advisor' expenses are calculated using the 2011 Pricematrix study average financial advisor costs plus 40bps representing the average cost of mutual fund holdings and transaction fees. 'High-cost Advisor' expenses are calculated using a 3% cost representing financial advisor fees, the average cost of mutual fund holdings, and transaction fees.  

Calculations assume a 9% annually compounded rate of return less applicable fee amounts. A portfolio may incur additional expenses that would materially impact the results shown on the graph.