How Our Services Are Structured
Clear Insight Wealth Management offers three coordinated services: comprehensive financial planning, personalized investment management, and integrated tax planning. Our services are delivered on a fiduciary, fee-only basis. Every service is grounded in your financial plan, which means all decisions work together toward the same long-term goals.
Purpose Driven Financial Planning
Comprehensive financial planning is the foundation of everything we do. We begin by understanding your goals, values, and the financial decisions you face. Then, we build a coordinated plan that addresses the key areas of your financial life.
Financial planning at Clear Insight Wealth Management includes ongoing advice, regular meetings, and proactive plan updates. Fees start at $300 per month for individuals and $400 per month for households.
Your financial plan may address:
Cash flow and savings strategies
Retirement and income planning
Investment coordination and asset allocation
Tax planning and proactive tax management
Risk management and insurance review
Estate planning and beneficiary coordination
Major life transitions including military separation, marriage, business ownership and more
Financial planning is an ongoing relationship. As your life changes, we adapt your plan, provide guidance on new decisions, and help you stay on track toward your long-term goals.
Personalized Investment Management
Investment management at Clear Insight Wealth Management is personalized, plan-driven, and fiduciary. We design customized portfolios aligned with your financial plan, your timeline, and your risk tolerance, then monitor and re-balance on an ongoing basis.
Investment management is offered at an annual fee of 1% of assets under management, with no additional commissions or product fees.
Our Investment Management services include:
Personalized portfolio design based on your goals and risk profile
Ongoing portfolio monitoring and disciplined re-balancing
Tax-aware investment strategies when appropriate
Fiduciary oversight, we always act in your best interest
We believe the best investment decisions are made in service of a broader financial strategy, not in reaction to market noise.
Integrated Tax Planning
Tax planning is a core part of our wealth management process, not a separate or seasonal activity. We evaluate how tax considerations interact with your investment decisions, income, and financial goals throughout the year, so opportunities are not missed and surprises are avoided.
Tax preparation and filing services are available through our sister company, Clear Insight Tax.
Our tax planning considerations may include:
Roth conversion analysis and multi-year planning
Managing taxable income and tax bracket optimization
Planning avoid Medicare premium surcharges (IRMAA)
Strategic timing of income, deductions and expenses
Tax-efficient investment placement and withdrawal sequencing
Coordination of investment and tax strategies across accounts
Proactive tax planning is essential to financial security because taxes affect nearly every financial decision, and thoughtful planning helps people keep more of what they earn, avoid costly surprises, and adapt confidently as laws, income, and life circumstances change.
Fee Summary
Financial Planning: Starting at $300/month (individuals) · $400/month (households)
Investment Management: 1% of assets under management annually
Tax Preparation: Priced separately through Clear Insight Tax based on complexity
Clear Insight Wealth Management is strictly fee-only — no commissions, no product incentives, no hidden charges.
Fees are discussed and agreed upon before any engagement begins.
Determining the Right Fit
An initial conversation helps determine which engagement type is most appropriate based on your needs, goals, and the level of ongoing support desired. Our focus is always on providing advice that is aligned, practical, and appropriate to each client’s situation.
Frequently Asked Questions
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Clear Insight Wealth Management provides three core services: comprehensive financial planning, personalized investment management, and integrated tax planning. These services are designed to work together as a coordinated whole, all grounded in your personal financial plan and delivered on a fiduciary, fee-only basis.
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Financial planning starts at $300 per month for individuals and $400 per month for households. Investment management is offered at 1% of assets under management annually. Tax preparation is handled through Clear Insight Tax and priced separately based on complexity. There are no commissions or hidden fees. All costs are disclosed upfront
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Financial planning is the comprehensive process of setting goals, creating a strategy, and making coordinated decisions across all areas of your financial life, including cash flow, taxes, insurance, retirement, and estate planning.
Investment management is the ongoing process of building and managing an investment portfolio in service of that plan.
At Clear Insight Wealth Management, investment decisions are always driven by and aligned with your financial plan.
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Many clients engage both services, as they are designed to work together. However, the right combination depends on your situation. An initial consultation helps us determine which services provide the most value for your needs. Some clients begin with financial planning only and add investment management as their assets grow.
