Cleartree Asset Management, Inc.

Cleartree Asset Management provides ongoing portfolio management and related financial planning to individuals, high‑net‑worth clients, pension and profit‑sharing plans, and charitable organizations. The firm documents client objectives and risk tolerance in an Investment Policy Statement and delivers services such as asset allocation, security selection, and regular portfolio monitoring, with financial plans made available complimentary only to its portfolio management clients.

The firm combines fundamental analysis with modern portfolio theory and may manage accounts on a discretionary basis, using model allocations tailored to individual client restrictions and goals. Investment strategies include long‑term trading as well as more active techniques — short sales, margin transactions, and options trading (including covered and uncovered strategies) — and the adviser generally focuses on mutual funds, fixed income, real estate funds/REITs, ETFs (including precious‑metal ETFs), annuities, commodities and non‑U.S. securities.

Compared with many peers, Cleartree directs clients to custody and execute through Schwab Institutional and discloses receipt of institutional services and potential soft‑dollar benefits from that custodian. The firm also discloses that its principal is a licensed insurance agent who may offer commissionable insurance products (a stated conflict of interest), manages roughly $17.5 million for about 47 clients, does not participate in wrap fee programs, and documents heightened risks associated with its use of leverage and option/short‑sale strategies.