Personal CFO Offering Family Office Style Services
Working with a Personal CFO
As a successful business owner your financial life isn’t just complex—it’s interconnected. Business operations, personal wealth, taxes, investments, risk exposures, and succession all collide.
Most owners handle these through disconnected professionals, which often leads to inefficiencies, missed opportunities, and higher taxes.
A Personal CFO, collaborating with other professionals, brings everything together under one coordinated plan, so your wealth, business, and family are all safeguarded and working toward your goals.
What we provide
Comprehensive Oversight
- A single point of contact coordinating your CPA, attorney, investment managers, insurance specialists, bankers, and more.
- Aligns your business, personal, and family wealth strategies.
- Cash flow management and analysis
Strategic and Tactical Asset Allocation Plan
Create both long-term (strategic) and short-term (tactical) asset allocation and management plans in line with optimal asset mix.
*Tactical allocation may involve more frequent buying and selling of assets and investors should consider the tax consequences of moving positions more frequently.
Tax and Structure Optimization
- Build or reorganize LLCs, S Corps, holding companies, and trusts to reduce taxes and insulate assets.
- Maximize tax-favored retirement plans and gifting strategies.
Risk Management and Asset Preservation
- Analyze personal and business liabilities, insurance gaps, and exposure to creditors.
- Design layered projection with entities, trusts, and umbrella policies.
Business and Exit Planning
- Plan for the future: from succession, buy-sell agreements, to preparing for an eventual sale.
- Integrate your personal financial play with your business transition plan.
Retirement Planning Beyond the Standard 401(k)
- Audit current property, casualty, life, and long-term care coverage for blind spots.
- Determine the right mix of plans—Traditional & Roth 401(k), profit-sharing, and cash balance to generate significant savings annually, reduce today’s taxes, seeking long-term, tax-free growth.
DISCLOSURE:
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Asset allocation does not ensure a profit or protect against a loss.
The value of a Personal CFO
Clearview acts as your financial quarterback—coordinating tax, legal, and investment strategies so your retirement plan doesn’t sit in a silo. You gain:
- Customized Plan Design: Traditional 401(k) for pre-tax deductions, Roth 401(k) for tax-free retirement income, profit-sharing, and cash balance layering.
- Cash Flow Alignment: Contributions structured around your business’s growth and liquidity.
- Tax Efficiency: Balance between immediate deductions and future tax-free withdrawals through Roth strategies.
As your Personal CFO, we bring together a team of outside specialists—CPAs, attorneys, actuaries, and investment managers—working in sync for your benefit. This means:
- Holistic Coordination: All specialists aligned around your goals, with the purpose of avoiding conflicting advice.
- Ongoing Oversight: Annual plan reviews, compliance, and law updates (e.g., SECURE Act, contribution limits, Roth catch-ups).
- Family Wealth Strategy: Retirement accounts integrated into succession, trust, and legacy planning.
Results we strive for
- Larger pre-tax contributions and immediate tax savings with cash balance and traditional 401(k)
- Tax-free retirement income streams with Roth 401(k).
- Multi-layered strategies that scale as your business grows
- ROI-Driven clarity to quantify value of better tax planning, risk management, and investment alignment.
- Confidence your family’s wealth is preserved, tax-smart, and future-ready.
