847-847-2505
Clearview Wealth Solutions
Real Retirement Solutions
designed to improve- Wealth Preservation
- Management of Risky Assets
- Peace of Mind
This is achieved through an ongoing assessment of market risks given your specific financial situation and goals.
Professional Expertise
Leadership Team
Richard Furmanski
CFA
has been a portfolio manager and analyst for over 35 years. He manages conservative, tax-efficient portfolios for both pre-retirees and retirees. His lower risk approach appeals to investors who want less volatility and competitive risk-adjusted returns.
Mary Ellen Adam
Director of Operations
has been in office administration for over twenty years. Her experience includes customer service, firm operations, and office administration. She interacts with our clients on a day-to-day basis and handles any requests that may arise.
Frequently Asked Questions
If you can't find the answer to your questions here, feel free to give us a call at 847-847-2505
Do you manage both stock and bond portfolios?
Yes. We build a portfolio of conservative, high-quality stocks and hold them for the long-term. The average holding period is 4 – 5 years. Our focus is on stocks that are suitable for retirement portfolios.
Our high-quality bond portfolios are designed to provide both income and stability of principal. Bonds provide the anchor for balanced accounts (those holding both stocks and bonds).
What is your investment philosophy?
We take great care in purchasing only high-quality stocks and bonds intent on a multi-year holding period. Portfolio turnover and taxable realized gains are modest in comparison to other active managers. We do not time the market but will become more defensive, in terms of stock holdings, when market conditions warrant.
Will the portfolio be managed in accordance with my financial goals?
Yes. Each of our clients has a custom-tailored portfolio. These custom portfolios are designed to meet specific client objectives with a thoughtful approach to specific constraints such as risk tolerance. And as each client’s situation changes, the portfolio does as well. There is no cookie cutter approach.
What kind of expertise do you have and how can that help me in difficult markets?
We have been working with high-net-worth clients like you since 1982. Over that time we have helped them to navigate several bear markets and financial crises (including the stock market crash of 1987). We hold the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP) designations.
Are you sensitive to taxes when managing portfolios?
Yes. Our holding period for an individual stock averages 4 plus years which means our turnover is low and realized gains can be carefully managed. Further, where possible, we tax loss harvest small losses as a way of offsetting gains taken elsewhere in the portfolio.
How have you performed?
Results will differ by client and the level of customization but we have provided competitive investment returns for many years.
How do you charge for your services?
We charge a management or consultant fee based upon the size and level of customization of the account. As the account grows, we benefit together.
Recent Commentaries
Stay up to date with all of our latest comments and analysis.
September 2026 Market Commentary
WILL HIGHER INTEREST RATES BE A BULL-BUSTER? Long-term bond yields are going up around the globe. The countries affected have a wide variety of fiscal backdrops and central bank policy rates suggesting the cause is something other than a deficit or a signal from a...
August 2026 Market Commentary
We got very good news on the inflation front a couple of weeks ago (CPI and PPI reports) that sent rate hike odds for this week’s Fed meeting down to near 0%. However, over the last week we have seen a sharp pick-up in the odds of a rate hike as oil prices have spiked...
July 2026 Market Commentary
THE LAG SEVEN The “Magnificent 7” stocks (Amazon, Apple, Microsoft, Alphabet, Meta Platforms, Nvidia and Tesla) led the stock market’s gains in 2023, 2024 and part of 2025. These same stocks as a group are lagging badly in 2026, and put into question whether...
Monthly Updates
September 2026 Mid-Month Recap
Both stock prices and market breadth peaked a month ago. It has been a tough slog since. The broader market has been trailing mega-caps which are holding up nicely. The 10-day advance/decline line drop has been dramatic as well as other breadth measures. The culprit...
August 2026 Mid-Month Recap
A few final comments on this earnings season: This week’s Walmart’s earnings report marks the unofficial end to the season. It was a season for the record books. For the second quarter, S&P 500 companies are reporting year-over-year growth in earnings of 50%...