|Goals & Investment Strategy
ClearLogic Financial helps clients achieve financial and/or education retirement goals through objective planning, professional instruction, and management of investment assets. Their 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.
ClearLogic Financial acts with the highest level of integrity and strive 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
- 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.
ClearLogic Financial believes that investors need a long-term focus and a disciplined strategy to achieve investment success. They work with each client to set realistic expectations and goals.
- Serve clients as their primary financial, retirement and investment adviser
- Help clients realize their major short- and long-term financial goals
- Build greater investor understanding and confidence
- Simplify and consolidate the investment process
- Give clients a disciplined, stable and consistent investment and financial relationship and peace of mind
ClearLogic Financial's investment strategies are based on extensive academic research. They 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,
they design portfolios tailored to the unique needs of individual clients. They invest for the long term and do not believe in market timing.
The 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 ClearLogic Financial. 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 every effort is made to reduce the costs to clients of investment management. The DFA funds that are used 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 clients, the design of each portfolio is based on each client's unique circumstances, investment objectives, time horizon and risk level. As such, other mutual fund families and other investment
vehicles also are used as appropriate.
Client accounts are held at the Institutional Division of Charles Schwab & Co., Inc. Schwab Institutional provides high quality, discounted services for investment advisers and their clients. ClearLogic Financial strives for the highest level of personal service
and client satisfaction.
Updates & Commentary
"Why Diversification Matters," "Table: Federal Student Loans for College," and other articles. (March 1, 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)