Clear Perspectives Financial Planning, LLC

Clear Perspectives Financial Planning, LLC, established in February 2008, offers investment supervisory services tailored to individual client goals, risk tolerance, and time horizons. The firm creates Investment Policy Statements for each client, outlining asset allocation, risk tolerance, and regular portfolio monitoring. Clients may grant discretionary authority for CPFP to select securities and execute transactions. The firm provides financial planning services covering investment, insurance, tax, retirement, college, and debt planning. Client assets are typically allocated to mutual funds, equities, bonds, ETFs, REITs, and annuities. CPFP charges tiered annual fees based on total assets under management, ranging from 0.50% to 1.00%. Fees are non-negotiable, paid quarterly in arrears, and calculated on the average daily balance. The firm's investment strategies include Long Term Trading and Short-Term Tactical Strategies, utilizing methods such as charting, fundamental, technical, and cyclical analysis. CPFP does not participate in wrap fee programs and requires a minimum account size of $500,000 for full financial planning services. The firm does not accept performance-based fees or compensation for the sale of securities. Clients have the option to establish brokerage accounts with TD Ameritrade Institutional, and CPFP does not receive economic benefits from third parties for client advice.