Broker Check

Why work with a financial planner?

You're an intelligent person, and you've accomplished a lot without a financial advisor. Why start now? 

We find that people who ask themselves this question are competent in many areas, and you're particularly self-aware about one fact: You have limited time and energy, and you would rather not spend it on researching every possible financial option to make the best decisions for their families.

Recommended reading: How to Choose a Financial Planner (Wall Street Journal) 

The following questions will help you decide if it makes sense to work with a financial planner:

  • Income planning: Do you know how much you can spend in retirement, which account to take the money from first, and how much tax you will owe?
  • Investments: Do you know your optimal mix of stocks and bonds to achieve your goals? Does your current mix match your target mix?  
  • Tax management: Do you know what kind of tax shelters are available to you now, and are you taking advantage of them?  Are you following the Roth conversion rules that require you to pay taxes on backdoor Roth conversions using a prorated formula if you have other IRAs? Are the investments in your taxable (joint) accounts tax efficient?
  • Retirement accounts: Do you understand what you can do with your old company retirement accounts to minimize taxes, create your target mix, and stay within all the IRS withdrawal and rollover rules?
  • Social Security optimization: Does it make sense to wait to claim Social Security, and if so, where does your income come from until then? Should you and your partner both wait to claim, or just one? Which one?

If you know all the answers to the above questions, do you actually execute the work or put it off?  

The team at Clear Perspectives are your financial experts. We do the work for you, using state-of-the-art software, and we study continually to stay on top of the rules and opportunities. We have years of experience, and your family's best interests are our top priority.

Specialties: We can help you make the most of your retirement benefits from P&G and other major corporations. Many of our advisors have had careers at Procter & Gamble.

Our multi-channel capacity allows you flexibility in how to communicate with us. We will meet with you in person or remotely, via videoconference or telephone, and you can see your accounts and investment performance any time with your online portal.

Call us at 513-469-8400 to talk to us about your needs. We are here to listen and help; we'll never try to sell you something. As a bonus, your first meeting with us is free!