Clearwealth

ClearWealth is a state‑registered advisory firm that reports managing about $44.3 million for roughly 145 clients and provides tailored portfolio management and a range of financial planning services. The firm offers continuous investment advice, access to third‑party/sub‑advisors and model portfolios (through XY Investment Solutions), and both fixed‑fee and subscription‑style comprehensive planning engagements.

ClearWealth primarily emphasizes passive investment management—building portfolios with index mutual funds and ETFs for low turnover and tax efficiency—while also using fundamental, technical, cyclical and charting analyses and monitoring outside managers. It provides discretionary portfolio management, assists clients in selecting outside managers, and delivers periodic reviews and reporting as part of its ongoing planning and investment oversight.

Compared with many peers, ClearWealth’s client base and scale suggest a primary focus on individual (non‑high‑net‑worth) clients rather than a concentrated high‑net‑worth clientele, despite the brochure indicating it can work with high‑net‑worth individuals. Notable operational features include reliance on third‑party model portfolios and outside managers, limited custody practices (direct fee debits only), and participation in an institutional custodian program that supplies technology and practice support rather than proprietary product distribution.