We begin with you.
We want to understand your goals, your life, and your dreams. Not just your long-term goals, but all of those "life goals" that take place between "now" and when you retire.
We learn about what is important to you, your current and future income needs, your desire to leave a legacy for your family or others.
We review all of your assets, and not just your investments, and consider any available sources of income such as Social Security, pensions, stock options, deferred compensation, the expected sale of a business or real estate, rental income.
We estimate the impact of income, capital gains, estate, and other taxes both today and in the future.
And from this, we design a comprehensive and goals-based wealth and investment plan designed and managed to give you the best chance of reaching your goals while enjoying what is important to you.
Some advisors are “dually registered.”
This means that at times they act as fiduciaries, while at other times they function as investment brokers and their investment advice can be tied to commissions, kickbacks, or other hidden fees that may not be in your best interest.
Other advisors are fiduciaries but have created their own investment products that are then included in their client’s portfolios. In addition to charging a fee to manage the account, the funds they recommend come at an additional cost.
At Clearstone, we are fee-only, and not fee-based, registered fiduciaries and are legally committed to only providing advice that is in your best interest.
We do not have any proprietary investment products nor have we ever received compensation from commissions or third parties for our investment advice.
This frees us to provide our best advice and insights to your particular situation.
Today, your financial challenges may be more than what a traditional firm is able or willing to handle.
If you own a business, it may be time to sell. But if so, for how much? And to whom? And does the process look like? Or would it be better to transfer the company to the next generation of family owners? But how can you do this in a way that is both right and fair?
If your company has offered you stock options should you take them? What are the risks and benefits? Are their tax implications? Should you become a partner in your practice?
As a member of an investment committee for a non-profit organization, foundation, or some other institution do you understand the strict fiduciary standards of your position?
We address complex and unusual investment, financial and wealth issues as do everything else: by relying on our experience and on our extensive resources to help you meet your challenges in a manner that delivers results that are both effective and rewarding.
Investment advice offered through IPI Wealth Management, Inc. 226 W. Eldorado St. Decatur, IL 65222. PHONE: 217-425-6340. Clearstone Wealth Management is not affiliated with Investment Planners, Inc. or IPI Wealth Management, Inc.
Copyright © 2018 Clearstone Wealth Management - All Rights Reserved.