Managing great wealth is more than smart investment ideas and timely trades. It is more than tax-efficient estate plans and flexibly structured loans. While these are important, significant advantages can come through a more sophisticated discipline that carefully considers each issue in the context of your overall agenda. These advantages will be more beneficial to the complex changes you will encounter in life. We manage investment time frames, risk tolerances, financial planning issues, tax considerations, wealth structuring, allocations and credit. We have also built close relationships over the years with specific areas of trust, estate and tax law to further assist you. Or, if you wish, we can also work in concert with your other advisors.
Cash Management: Keeping Principal Safe and Liquid
How can we improve the return on your short term, safe money? This question is not an easy one to answer and the discussion often leads to disappointment. The fact is that right now may be one of the most challenging times for retirees and those living on fixed incomes. At Clearview Investment Partners, LLC we recognize these obstacles and are working hard to find solutions that resolve the issues.
Stocks: A Focused Methodology Produces a Superior Selection
Clearview’s investment strategy uses a thoughtful and disciplined approach. We manage our portfolios with a long-term perspective in mind. Here are some common attributes within our security selection that we look for: strong balance sheet, free cash flow, market leader with global reach.
Fixed Income: A Steady Cash Flow is an Integral Part of a Portfolio
Bonds can be an important part of a well diversified investment portfolio. They provide cash flow and stability. Clearview Investment Partners, LLC selects bonds and other fixed income investments based on a number of criteria. These include, but are not limited to, the credit quality of the issuer, duration of the bond, expected cash flow and tax implications.
Mutual Funds: Diversification, Liquidity and Simplicity
A mutual fund is a collection of stocks and/or bonds. You can think of a mutual fund as a company that brings together a group of people to invest their money in stocks, bonds and other securities. Here at Clearview Investment Partners, LLC we look for low internal expense ratios, low portfolio turnover and a consistent style of performance.
Alternative Investments: Hedge Funds, Private Equity and Commodities
An alternative investment is an investment that is not one of the three traditional asset types (stocks, bonds and cash). Most alternative investment assets are held by institutional investors or accredited, high net-worth individuals because of their complex nature, limited regulations and relative lack of liquidity. While the small investor may be shut out of some alternative investment opportunities, real estate and commodities such as precious metals are widely available.
Managed Accounts: How often do you speak with a company’s top executives before buying their stock?
Most investors never do. Institutions, endowments and trusts often hire professional money management firms that make a habit of understanding the companies they invest in from the company’s financials to the products and key management personnel. This type of insight is invaluable when making investment decisions. Unfortunately, many investors lack the time and relationships to gain what is critical: information on day-to-day management of their portfolios. Clearview Investment Partners, LLC has access to solutions that solve these problems.
Life Insurance: Provide for Your Loved Ones for After Your Passing
The goal of life insurance is to provide a measure of financial security for your family after you die. So, before purchasing a life insurance policy, you should consider your financial situation and the standard of living you want to maintain for you dependents or survivors. It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event.
College Savings: Preparing for the Future
Tax-advantaged college savings plans are investment vehicles in the United Stated to encourage saving for the future higher education expenses of a designated beneficiary. Most 529 savings plans offer a variety of age-based asset allocation options where the underlying investments become more conservative as the beneficiary gets closer to college age. Distributions from 529 plans for qualified higher education expenses are exempt from federal income tax.
Contact Clearview Investment Partners to discuss your situation and create an individualized, tax-efficient portfolio for your specific wealth management needs.