|Goals & Investment Strategy
We partner with clients to achieve financial and/or education retirement goals through objective planning, professional instruction, and management of investment assets. Our purpose is to give the best planning advice, recommend the most appropriate investments,
help clients manage their investments and finances, and educate clients on how to preserve and protect their wealth. The client's interest always comes first. Retirement Planning Services and ClearLogic Financial act
with the highest level of integrity and strives for excellence in every facet of its practice.
Client Relationship Goals
- Strive to achieve the target investment goals of each client over up- and down-markets
- Strive to reduce portfolio volatility through strategic asset allocation and diversification
- Reduce risk in difficult markets as a result of portfolio diversification and discipline
- Eliminate or reduce the risks and errors of active management
- Enhance predictability for long-term cash withdrawal programs
- Reduce tax liability for taxable accounts through use of tax managed and tax efficient investment vehicles
- Review client's insurance needs with the help of a professional insurance agency
- Reviews basic estate planning needs and works with the client's attorney by providing financial and investment information at their request.
We want to:
We believe that investors need a long-term focus and a disciplined strategy to achieve investment success. We work with each client to set realistic expectations and goals.
- Serve our clients as their primary financial, retirement and investment adviser
- Help our clients realize their major short- and long-term financial goals
- Build greater investor understanding and confidence
- Simplify and consolidate the investment process
- Give our clients a disciplined, stable and consistent investment and financial relationship and peace of mind
Our investment strategies are based on extensive academic research. We believe that diversification is one of the most important principles of investing and that investors should be rewarded for the level of risk taken. Using these principles, we design portfolios
tailored to the unique needs of individual clients. We invest for the long term and do not believe in market timing.
Our primary investment vehicles are the specialized no-load funds developed by Dimensional Fund Advisors (DFA). Since 1981, DFA has been a leader in developing value-oriented asset class ("index") portfolios for corporate and public retirement plans, endowments
and foundations, and clients of selected registered financial advisors, such as Ticknor Atherton & Associates. DFA currently manages over $300 billion in investment assets and works with some of the world's leading financial economists to develop and enhance
its strategies. (For more information on DFA, please visit their web site
Expenses and taxes matter and we make every effort to reduce the costs to our clients of investment management. The DFA funds that we use extensively are low cost; no sales charge ("no load") institutional index-type funds. DFA is a leader in developing tax-managed
funds. DFA is a leader in developing tax-managed funds for use in a large variety of diversified investment portfolios.
While these specialized funds generally provide the greatest value for our clients, we design each portfolio based on each client's unique circumstances, investment objectives, time horizon and risk level. As such, we also make use of other mutual fund families
and other investment vehicles as appropriate.
We hold client accounts at the Institutional Division of Charles Schwab & Co., Inc. Schwab Institutional provides high quality, discounted services for investment advisers and their clients. We strive for the highest level of personal service and client satisfaction.
Updates & Commentary
"Grandparents Can Help Bridge the College Cost Gap," "Tax Tips for the Self-Employed" and other articles. (January 27, 2017)
2017 Key Numbers
(January 2, 2017)
Saving and Investing Wisely, Building on Your Foundation, Types of Investments: Bonds, Types of Investments: Cash, Investing Through Mutual Funds and ETFs, and Asset Allocation
Should You Pay Off Debt or Save For Retirement?
(For over 50 educational videos, visit the
Videos and Multimedia page.)
Grandparents race to the rescue of college funds
Gay couples weigh financial options that accompany marriage
Jerry Cannizzaro on how grandparents are helping with their grandkids' college education (Reuters, May 19, 2014)
Jerry Cannizzaro on how federal benefits can impact financial planning (Washington Post, Oct. 18, 2013)