INVESTMENT MANAGEMENT
Clear Insight Wealth Management provides personalized, fiduciary investment management for an annual fee of 1% of assets under management. We build customized portfolios designed to support your comprehensive financial plan — based on your goals, your timeline, and your risk tolerance — and manage them on an ongoing basis with disciplined monitoring and rebalancing.
Our investment philosophy is simple: investment decisions should serve your financial plan, not drive it. We do not react to market trends or recommend products for commission. We design portfolios that are aligned, tax-aware, and built to support the life you are working toward.
Our Investment Approach
A core principle of our investment approach is that we cannot manage your money well without understanding you. Before designing a portfolio, we invest time in understanding your financial situation, your goals, your emotional relationship with risk, and how your investments fit into your broader financial plan.
This understanding allows us to build a portfolio that is not just mathematically appropriate but that you will be able to stay committed to — even when markets are volatile. A well-designed plan you can stick with consistently outperforms a theoretically optimal plan you abandon at the wrong moment.
We use a diversified, evidence-based approach to portfolio construction, incorporating broad market exposure, tax efficiency, and disciplined rebalancing. We do not engage in market timing or speculative strategies.
What Does 1% of AUM Mean?
Our investment management fee is 1% of your assets under management per year, billed quarterly. For example, a $500,000 portfolio would carry an annual fee of $5,000, or $1,250 per quarter. There are no additional trading commissions, product fees, or hidden charges.
This fee-only structure means our compensation is directly aligned with growing and protecting your assets. When your portfolio performs well, so do we.
What Investment Management Includes
• Personalized portfolio design based on your goals, timeline, and risk tolerance
• Ongoing portfolio monitoring and disciplined rebalancing
• Tax-aware investment strategies and asset location when appropriate
• Coordination with your broader financial plan and tax strategy
• Regular investment reviews as part of your planning relationship
• Fiduciary oversight — we always act in your best interest
Investment Management FAQs
-
Fiduciary investment management means your advisor is legally required to act in your best interest at all times. At Clear Insight Wealth Management, this means we never earn commissions, never recommend products because of incentives, and always provide advice that is transparently aligned with your goals. This is a higher standard than 'suitability,' which only requires that a recommendation be appropriate — not necessarily the best option for you.
-
Investment management is offered at an annual fee of 1% of assets under management, billed quarterly. There are no additional commissions, trading fees, or product charges. All fees are disclosed upfront and agreed upon before any engagement begins.
-
We begin by understanding your goals, timeline, and risk tolerance through conversations that are part of your financial planning relationship. From there, we design a diversified portfolio using low-cost, broadly diversified funds that align with your plan. We monitor the portfolio on an ongoing basis and rebalance when your allocation drifts from your target or when your circumstances change.
-
We provide guidance and recommendations on Thrift Savings Plan (TSP) allocation as part of our financial planning services. While the TSP is managed through the federal government's system and cannot be directly managed by an outside advisor, we help clients make informed decisions about fund selection, contribution levels, and eventual rollover or distribution strategies.
