Managed Portfolio Solutions

Our approach to managing your wealth, customized to fit your needs.

Core Equity

Clearview’s Core Equity portfolio is a diversified blend of high-quality large-cap value and growth stocks. The value/growth mix is dependent upon relative values and analysis of where we are in the market cycle. Both macro analysis (top-down) and stock specific (bottom-up) analysis is used to construct portfolios with a longer-term focus (multi-year holding periods).

Dividend Growth

Our Dividend Growth portfolio strategy is constructed of high quality, blue-chip stocks selected because of their above average dividend yields combined with a history of dividend growth over many years. Our proprietary model selects stocks with both solid dividends and expectations of sustainable dividend growth.

Focus 20+ Growth

Our Focus 20+ Growth portfolio is made up of high quality, large-cap value, and growth stocks. This portfolio is a subset of Core Equity but is more concentrated, and therefore can be expected to have more volatility. Once again, this portfolio is designed for long-term investors.

Core Fixed Income

Our internally managed fixed-income portfolio strategy includes high quality, short and intermediate term bonds. The minimum credit rating for each bond selected is “A” by the major credit rating agencies, with a maximum maturity of 15 years. The portfolio’s seeks to provide stability of principal combined with a market-competitive income stream as an offset to the equity portion of the portfolio.

Core Balanced

Our Core Balanced approach includes one or more of the equity strategies in combination with a customized Core Fixed Income portfolio.

Note: At all times we remain sensitive to each client’s tax costs associated with sale of securities. We attempt to tax loss-harvest when and where advantageous while avoiding gain realization (especially short-term gains).

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Wealth Solutions Process

Step 1

Discovery

Discovery of investment history, assets and current portfolio status.

Step 2

Analysis

Analysis of relevent information and thorough clarification with client, including risk tolerance.

Step 3

Planning

Planning of client centered investment solutions.

Step 4

Implementation

Implementation of the appropriate portfolio solution.

Your asset allocation (mix between stocks and bonds) is determined by:
  • Your individual risk tolerance
  • Our understanding of your goals
  • Investment time horizon analysis
  • Expected future market returns
Individualized portfolio construction includes the following:
  • Risk management controls
  • Ongoing tax management
  • Long-term investment focus

Retirement Solutions Process

The retirement planning services capability at Clearview Wealth Solutions was developed at the request of our clients as a way to provide a more thorough, client-centered process of transitioning from career to retirement. Our independence, depth of experience and investment management expertise allow us to develop a more comprehensive, tax-aware solution for our private clients and their families. We act as a fiduciary, aligned with the long-term best interests of each client’s specific objectives and constraints.

Step I

Discovery

Discovery and analysis of client needs; investment history, assets aggregated, in-depth examination of existing portfolio

Step II

Development

Client centered retirement plan development; prioritization of objectives and constraints, open exchange of ideas, past concerns or possible issues, and clarification of all information

Step III

Retirement Plan

Retirement plan and recommended portfolio; sustainable wealth track design, tax-aware portfolio policy, and educational support

Step IV

Implementation

Implementation of plan; financial plan process put in place, portfolio management transition

Step V

Retirement Plan

portfolio management transition completed, monitoring, rebalancing, and meeting to update plan

Your asset allocation (mix between stocks and bonds) is determined by:
  • Your individual risk tolerance
  • Our understanding of your goals
  • Investment time horizon analysis
  • Expected future market returns
  • Income requirement analysis
  • Sustainable wealth track framework
Individualized portfolio construction includes the following:
  • Risk management controls
  • Ongoing tax management
  • Long-term investment focus

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