401(k) & 403(b) Investment Advice
As a 401(k) or 403(b) participant you have a lot of options...
One being an independent advisor.
Too often 401(k) and 403(b) participants are given a menu of investment providers, attend a seminar put on by firms selling poor investment approaches, and just go with the flow.
As an independent advisor, we can help you pick through the best provider and investment options. And sometimes that may be investing in a plan outside of your 401(k) or 403(b) if the options are poor.
And there are a number of additional benefits to working with an advisor independent of your 401(k) or 403(b) plan to manage your investments.
At Clear Financial, our background is in education, like many 401(k) or 403(b) participants. We also pride ourselves on teaching our clients why we are making the decisions that we do, so you know it's good for you
The Benefits of Clear Investment Management
-
Risk maximizing (Tilt investing) 1 +2.18%
-
Use of cost conscious passive investments 2 +0.75%
-
Automatic rebalancing 3 +0.50%
-
Asset location 4 +0.52%
+3.95% per year
Additional quantifiable benefits
-
Tax benefits (tax-loss harvesting, use of and review of tax-efficient funds and tax-advantaged accounts)
-
Intentional use of asset class investments, rather than relying on the luck of an investment manager
Non-quantifiable benefits
Not having to rely on guessing, emotions, gimmicks, crystal balls, or the lottery.
How We're Different
-
Savings review. Is your 401(k) the best place to save? Where should you save? That requires knowing taxes and your specific benefits and opportunities.
-
A holistic view. Most low-cost advisors (and high-cost ones) put each of your accounts into a model portfolio. This approach removes the benefits of asset location which is deciding the investment attributes that would be best for each of your accounts. If each account owns the exact same proportions of the exact same investments, you may benefit from a holistic perspective.
-
A proven philosophy. Not only do we have a philosophy, it is one based on science and not guessing, pretending to have a better crystal ball, or gambling with your investments.
-
Regular reviews. We'll contact you whenver a change should be made to your accounts. Feel free to contact us whenever you need.
How to Invest With Us
We've made the process to work with us painless.
Process
-
Complete our online questionnaire. You will receive an email response with our legal information, and we'll schedule a time to talk about your needs.
-
Complete client initial call. We'll cover your tax and investment goals and provide you with an action plan for all of your accounts.
-
We'll take care of any additional forms, and handle the investment implementation and monitoring for you.
Do you have accounts other than your 401(k) or 403(b) that you would like us to manage like an IRA, Roth IRA, workplace 457, SIMPLE IRA, SEP IRA, or another account? We can work with you. Contact us and we'll cover your options.
Monthly Fee Schedule
$25
1. Clear.Investments utilizes a portfolio approach that seeks to maximize risk-adjusted returns by diversifying our equity allocation over multiple asset classes, and by investing in short to mid duration investment grade bond funds. See Disclaimer page for details.
2. The difference between the average expense ratio of a low-cost, diversified portfolio with an annual expense ratio of 0.37% and the average expense ratio of active mutual funds as researched by William F. Sharpe's publication The Arithmetic of Investment Expenses, Financial Analysts Journal, March / April 2013.
3. Swenson, D. (2005). Unconventional Success. Pp. 195-196.
4. Blanchett, D & Kaplan, P. (September 8, 2012). Morningstar Investment Management. Alpha, Beta, and Now... Gamma.