Clear Ridge Wealth Management, LLC

Clear Ridge Wealth Management, LLC, established in 2014, is a registered investment adviser based in Kalamazoo, MI. The firm specializes in managing investment portfolios for individuals, retirement plans, trusts, organizations, and businesses. They offer services such as financial planning, investment policy statement design, portfolio monitoring, and asset allocation strategy. Clear Ridge primarily recommends portfolios of no-load mutual funds, exchange-traded funds, and individual securities, with a focus on passively managed asset class and index mutual funds, particularly those offered by Dimensional Fund Advisors. The firm may use model portfolios if they align with the client's investment policy. They also provide financial planning services at no additional charge, addressing areas like tax planning, retirement, and estate planning. Clear Ridge charges an annual fee based on a percentage of assets under management, with fees negotiable in certain circumstances. The firm acts as a fiduciary, putting clients' best interests first, and does not charge performance-based fees. Clients have the option to grant discretionary authority for investment decisions, and the firm does not vote on client securities proxies. Clear Ridge does not participate in wrap fee programs and does not have any minimum account size requirements.