5-STEP FRAMEWORK
ClearVision Process
We believe retirement isn't the end of a job. It's the beginning of your life's best work. Everyone's road to retirement is personal, with twists and turns at any moment. At ClearVision Planning™, we specialize in helping people create Holistic Financial Plans so you can dare to dream big. This means we take time to learn about your financial aspirations and then carefully design a plan that encompasses all of your goals. Our approach can provide proven solutions and produce real results. Holistic Financial Plans have the power to deliver efficiency, reduce risk, and increase confidence in reaching your financial goals. Our fiduciary status ensures that we design financial plans in your best interest.
goals are personal, wealth management should be too
Instead of simply saving your money and hoping you'll have enough to cover your expenses, goals-driven financial planning puts you in the driver's seat to your future by defining your objectives, then crafting a written plan tailored to help you reach those goals.
identify
The definition of wealth and success is highly individual and includes dozens of life components beyond finances. Many people think of things like their ideal career, education, and physical health as natural parts of wealth planning. A good starting place to figure out the number of expenses you're going to have on a monthly basis would be to answer the questions "where am I going?" and "what do I want my retirement income to do?". Ultimately, our goal is to help you discover your retirement vision.
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protect
Now that you’ve figured out your expenses and have identified your current accounts, it's important to think about protecting what you've saved to ensure you'll have enough income throughout your retirement. You need to make sure you have a protected income stream come in every single month that’s going to cover all of your expenses, securing guaranteed lifetime income.​
reduce
Income taxes are one of the largest expenses you’re going to face in retirement. Tax diversification is important to control how much you pay in taxes - and when those taxes are paid. To make sure you don't pay more than you have to, we will examine the three "buckets" of money: Taxable, Tax-Deferred, and Tax-Free, This will help us explore your options to distribute your money in the most tax-efficient manner.
invest
The ClearVision Planning™ process is a proprietary framework crafted to guide you through the necessary steps to enhance your wealth and bring stability back to your financial life. We’ll work with you to find an optimal balance between market exposure and income and principal security.
manage
During annual performance reviews we will go over a summary of the last year of your income plan. We'll also review overall performance of any plans put in place, and compare it to what we originally discussed. The last and most important thing we go through is a checklist with you and reassess your needs as they may change from year to year.
