Wealth Management
Peace of Mind:
Just as wealth management is a process over your lifetime; your wealth plan should evolve to meet the changes of your personal circumstances. That’s why part of our job is to provide you with the answers you need to make sound decisions for you and your family when those changes occur. We also provide you with a range of options and opportunities so those decisions are the best decisions.
We offer our clients the following:
• Strategies for net-worth growth and protection
• Comprehensive Wealth Planning
• A disciplined approach to execute the strategies
• Reviews to manage tax liabilities over your investments
• Tools to understand the most complex financial matters
• Consolidation of reporting and record keeping
ClearPath Capital Partners provides planning to chart the course to our client’s goals as well as the investment management to get them where they want to be.
Planning Ahead:
The goal of financial security is common among most investors. However, having the discipline and dedication to both quantify and execute the process needed to achieve financial security is anything but common. At ClearPath, helping our clients clarify their goals and showing them how to get there is what we do every day.
Our process involves an interactive dialogue with each client, allowing our professionals to gather the information necessary to develop a customized and comprehensive financial plan specific to a client’s unique needs. Each plan incorporates:
• Current and future budget analyses
• Asset allocation and investment strategy
• Tax strategy
• Retirement and education planning
• Estate planning
• Liability and Risk Assessment
ClearPath then provides recommendations and a proposed implementation strategy. Once approved by the client, the financial plan is executed.
Providing for your Future:
ClearPath Capital Partners is a Registered Investment Advisor. We strive to manage assets efficiently, taking into account our clients’ goals, while minimizing both costs and taxes. Through our discovery process, we gather both qualitative and quantitative information about you. We then determine the best portfolio based on our conversations, your goals, and our planning. We balance risk with return specific to every client and then recommend a portfolio allocation. Once we’ve arrived at a portfolio decision with you, we focus on placing each asset class in the most efficient vehicle, whether it’s a retirement account, a fully taxable account, or an account designed for charitable gifting.
We can integrate all assets and accounts into an overall plan that is both efficient and practical. This process and the eventual design will be reflected in your Investment Policy Statement and Wealth Management Plan documents. We strive to manage assets efficiently, taking into account our clients’ goals, while minimizing both costs and taxes. We manage 5 model investment portfolios that include many asset classes. As active investors, we are systematic and persistent in searching for asset classes that are selling at a considerable discount to their fair value. Likewise, we apply our extensive experience in identifying money managers to select only those who we are highly confident will deliver superior long-term performance.
We believe that intensive research and a disciplined process are critical to investment success. In-depth, fundamental research and careful reasoning underlie every investment decision we make. After implementing your portfolio, we begin a disciplined process to rebalance and maintain the design going forward. For this purpose, we employ the latest tools to monitor portfolios. In the rebalance process, we consider taxes, brokerage costs, and your ongoing cash needs. As we update your planning, your portfolio may change as well, which repeats the above process.
Successful investment management has always included both art and science. At ClearPath, our strong experience in working with wealthy individuals helps us to properly balance the use of each of these elements. This provides the peace of mind that our clients expect and deserve.
Protecting your Wealth:
How your property passes to your heirs may be the most important decision you make. At ClearPath our goal is to help preserve your wealth, and ensure that there’s a structure in place to pass your assets on appropriately and efficiently. Our professionals have been advising clients on their estate plans, trust structures for many years. Our team can suggest and review estate plans or modify existing plans by working directly with you and your estate attorney.
We analyze our clients’ insurance policies, including life disability, and property & casualty insurance. ClearPath teams up with other insurance advisors to ensure our client’s risks are properly managed.
Maintaining the appropriate level of life, property, casualty and liability insurance is an often overlooked component of the wealth management planning process. We realize that suitable insurance coverage may become critical at a moment’s notice. This is why we provide clients with a thorough insurance analysis that is tightly coordinated with our comprehensive planning program. ClearPath leverages our understanding of each client’s estate and tax strategies to assist them in evaluating current policies and selecting the most appropriate insurance levels, products, or services.
Our principals view tax planning and preparation as an important component of our clients’ comprehensive planning. We continuously work with our clients’ accountants so that we can be proactive and take advantage of any tax saving opportunities that may exist. ClearPath utilizes its expertise and integrated approach to fully understand each client’s financial goals and plan their tax strategy accordingly. When ClearPath structures the investment strategy for an individual, partnership, estate, or trust, our advisers incorporate a financial planning perspective in conjunction with income and estate tax implications. The result is a unique approach that offers tax minimization, reduced complexity, and increased financial opportunity.
Our clients’ goals often include giving back to their communities through charitable gifts. We’ve assisted many of our clients utilizing the most efficient and beneficial tools specific to their gifting goals. Through working with our clients, their estate planners and charities, we determine the optimal gifting vehicle based on our understanding of everyone’s objectives.
At ClearPath, we’re well versed in many charitable gifting tools, including:
• Charitable Remainder Trusts
• Charitable Lead Trusts
• Wealth Replacement Trusts
• Private Foundations