FINANCIAL PLANNING

Clear Insight Wealth Management provides comprehensive financial planning for military families, veteran business owners, and government employees. Financial planning fees start at $300 per month for individuals and include an ongoing advisory relationship — regular meetings, proactive plan updates, tax planning coordination, and guidance through major life decisions.

Financial planning is not a one-time exercise. It is an ongoing process designed to bring clarity to your financial life today and keep your plan aligned as circumstances change over time.

How We Approach Financial Planning

Our process starts with you. Before we look at any numbers, we take time to understand your goals, your priorities, and the life you're working toward. This purpose-driven approach ensures your financial plan reflects what actually matters to you — not a generic template.

From there, we build a written, comprehensive financial plan that coordinates all the key areas of your financial life. As life evolves, we continue to update, adapt, and provide guidance to keep your plan effective.

The Seven Components of Your Financial Plan

1. Cash Flow — Mindful Spending

We help you understand where your money is going and create a spending plan that supports your goals. This includes budgeting strategies, savings automation, and helping you make intentional decisions about how you use your income today.

2. Investing — Growing Your Wealth

Investment decisions are made in the context of your overall financial plan. We help you understand your options, design an appropriate investment strategy, and coordinate your accounts across employers, IRAs, and taxable accounts.

3. Insurance — Protecting What Matters

We review your life, disability, liability, and long-term care insurance coverage to identify gaps and make sure your financial plan is protected against unexpected events. For military families, this includes reviewing the transition from SGLI and TRICARE.

4. Tax Planning — Making Strategic Decisions

Tax planning is embedded throughout your financial plan, not tacked on at year end. We evaluate tax-reduction strategies including Roth conversions, bracket management, deduction timing, and tax-efficient investment placement — and coordinate with Clear Insight Tax for filing.

5. Retirement Planning — Taking the Long View

Whether you're decades away from retirement or approaching it, we help you understand how much you need, how to get there, and how to create sustainable income in retirement. For clients with military pensions, TSP accounts, or government retirement benefits, we incorporate those into a complete income plan.

6. Estate Planning — Inter-Generational Wealth Is for Everyone

We help you think through how your assets will be distributed, ensure your beneficiary designations are current, and coordinate with your estate planning attorney when wills, trusts, or powers of attorney are needed. Estate planning is not only for the wealthy — it is for anyone who wants their wishes to be carried out.

7. Family Matters — Education, Aging Parents, and More

Life is complicated. We address the financial dimensions of the decisions you face — paying for college, caring for aging parents, supporting a child with special needs, navigating divorce, or managing an inheritance. These are the conversations that matter most, and we are here to help you navigate them.

What Ongoing Financial Planning Includes

Throughout the year, we address the following topics as needed:

• Annual spending plan and cash flow review

• Tax planning and preparation coordination

• Portfolio rebalancing and investment review

• Preparation for tax filing and prior-year return analysis

• Estate planning review and beneficiary updates

• College planning and student loan strategy

• Insurance review and coverage analysis

• Support through major life decisions and transitions

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Financial Planning FAQs

  • Comprehensive financial planning at Clear Insight Wealth Management covers seven core areas: cash flow management, investment strategy, insurance review, tax planning, retirement planning, estate planning, and family financial matters such as education funding or special needs planning. It is an ongoing service, not a one-time plan — we meet regularly and update your plan as your life evolves.

  • Financial planning starts at $300 per month for individuals and $400 per month for households. The exact fee depends on the complexity of your situation and the scope of services needed. All fees are disclosed and agreed upon before any engagement begins.

  • Purpose-driven financial planning means we start by understanding what matters most to you — your values, your goals, and the life you want to build — before we look at any numbers. This approach ensures your financial plan is designed around your actual priorities, not a standardized template. The result is a plan that feels meaningful and keeps you motivated to stay on track.

  • Yes. We have extensive experience helping military families navigate the financial decisions that come with retirement from service, including military pension coordination, TSP distribution planning, Survivor Benefit Plan (SBP) elections, TRICARE transitions, and VA loan decisions. These benefits represent significant financial resources that require thoughtful planning to maximize.

We've been helping define our client's futures for a combined 35 years.

Let us help you create a tailored plan designed to achieve the future you want and deserve. Your goals are within reach. Together, we’ll make them a reality.

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