Market Blogs
Financial Planning
What is the Right Spending Rate in Retirement?
Clearview’s Sustainable Wealth Track Can Help Provide An Answer A Sustainable Wealth Track is a thoughtfully designed path into and through the years of retirement. It lays out the appropriate withdrawal rate and asset allocation policy and does so within a...
The Clearview Portfolio Review
After the initial meeting with a qualified individual or family, we conduct a thorough analysis of the existing investment portfolio in order to truly understand their current investments. We seek to analyze/evaluate all holdings to determine if they are consistent...
How Much Risk Can I Tolerate?
---Clearview’s Risk Management Solution can help you sleep at night While most investment professionals look upon risk as market price volatility, most investors take a more personal view. Their comfort level with a portfolio is more often a function of recent market...
How Much is Enough to Retire?
… Clearview’s Wealth Solutions can help with retirement Retirement should be spent on enjoyable activities with those held dear. Unfortunately, reaching this goal has become more difficult over the past generation as employer’s retirement contributions have...
Clearview’s Asset-Allocation for Retirement Portfolios
Asset-allocation is the selection of securities that are the end result of an investor’s portfolio discipline as it defines the important objectives, constraints, tolerance for risk and probable time horizon. We believe that there are several factors that can help...
Short Takes
Why We Use Laddered Bond Portfolios
Managing fixed income portfolios in-house using separately managed accounts requires expertise not often found with most investment advisory firms. However, it can provide flexibility and cost savings compared to mutual funds or exchange traded funds (ETFs). At...
Why We Don’t Invest In Initial Public Offerings (IPOs)
Many investors get excited about the prospect of buying stock in a company that becomes available for the first time on the public market, an IPO. It could be new technology or a new product or service that excites them, but the goal is always the same; make a...
Tax-Aware Investment Techniques Can Add Value
If future stock and bond returns prove to be more modest, as many analysts are now forecasting, and taxes remain high or continue to grow, as has recently been the case, the use of tax-aware techniques will clearly take on added importance. Unfortunately, advisors...
Managing the Risk of Stocks
Portfolio Management Overview: A commitment to the stock market involves a certain level of risk. As a result of the 2008-09 housing market collapse and the ensuing bear market in stocks, investors have become more uncertain about the markets and the appropriate...
Managing Risk in Bond Portfolios
Portfolio Management Overview: Bonds have long been considered an essential part of well-balanced portfolios. A favorite of high-net-worth clients, they have a history of providing semi-annual coupon payments while dependably returning principal at maturity. In...
Why Balanced Portfolios Make the Most Sense for Investors
At Clearview, we recommend that investors reduce their exposure to equity portfolios as they approach retirement. There are good reasons for doing so: retirement funds can't easily be replaced and investors usually want less portfolio volatility in their retirement...
Managing Concentrated Stock or Legacy Holdings
The decision to sell a legacy stock holding – especially one that has strong family emotive connections or brought important wealth – can be extremely difficult. Further, the sale requires thoughtful planning by tax, estate and investment counsel to avoid or offset...