value
Our core discipline and technique is learning and understanding our clients’ needs through information gathering. We truly listen to our clients and prospective clients. Our team has assembled considerable resources through our state-of-the-art systems, multi-discipline strategies, and our savvy approach to building customized and relevant portfolio allocations.
our process
Our advisor representatives use our state-of-the-art evaluation process and go through several steps before presenting you with a customized proposal:
- First, we get to know you. Your financial situation, your behavior towards volatility, risk tolerance, investment objective, investment experience, and where you are in your personal and professional life cycle and other important factors.
- Second, with your permission, we obtain information about your current investments. We carefully analyze your current investments and determine how your investments align with the results of our analysis conducted in step one.
- Third, using our asset allocation tool, we select the most appropriate investment options for you and perform our optimization analysis to ensure that the selected options meet your risk tolerance, investment objective and time horizon.
strategies
What makes ClaraPHI distinctly different is our philosophy of collaborative financial planning. We believe that investors are best served when three professional advisors - an attorney, CPA, and financial advisor - all work together.
Our vision is to perfect the way the world plans by creating a network of highly educated financial advisors, estate planning attorneys, and CPAs who support one another in crafting comprehensive wealth plans to enhance your financial well being. We strive to accomplish this in a number of ways.
ClaraPHI has developed turn-key programs designed to make it as easy as possible for CPAs, attorneys, and financial institutions to partner with an advisor registered
representative to provide financial/investment services to you, the investor .
Strong back office technology is a prerequisite in our industry, but it is how that technology is used that differentiates ClaraPHI. Our technology is always designed to make investing easier, and offers a secure view of your account for the advisor and client, and on-demand and quarterly performance reporting.
Our vision is to perfect the way the world plans by creating a network of highly educated financial advisors, estate planning attorneys, and CPAs who support one another in crafting comprehensive wealth plans to enhance your financial well being. We strive to accomplish this in a number of ways.
ClaraPHI has developed turn-key programs designed to make it as easy as possible for CPAs, attorneys, and financial institutions to partner with an advisor registered
representative to provide financial/investment services to you, the investor .
Strong back office technology is a prerequisite in our industry, but it is how that technology is used that differentiates ClaraPHI. Our technology is always designed to make investing easier, and offers a secure view of your account for the advisor and client, and on-demand and quarterly performance reporting.
investment options
Our investment experts routinely study and analyze numerous investment products to include:
We perform detailed due diligence on all products to determine which ones may be best suited for our programs, models, and clients. We do not accept any remediation from our program sponsors. We only offer products that are well-suited for our clients.
- Institutional Investment Managers
- ETFs (Exchange Traded Funds)
- Mutual Funds
- Alternative Products such as Managed Futures, Commodities, Real Estate, The Household Endowment Model® (see below) and many other specialty products.
We perform detailed due diligence on all products to determine which ones may be best suited for our programs, models, and clients. We do not accept any remediation from our program sponsors. We only offer products that are well-suited for our clients.
unified managed accounts (UMA)
UMA is a single account which holds a selection of investment products selected and allocated for a client, usually held at a brokerage firm. The uniqueness of a UMA is its ability to accommodate institutional managers, mutual funds, Exchange Traded Funds (ETF’s), and bonds. These aspects are all merged into one account, opened through one application, charged one fee and presented in one statement.
Up to now, investment accounts using professional money managers required separate accounts. In some cases they also needed separate custodians and/or institutions, separate fees, calculations, multiple statements, and multiple applications. UMA offers less hassle, a more transparent fee structure, convenient monitoring and viewing, and portfolio customization to help meet your objectives.
Up to now, investment accounts using professional money managers required separate accounts. In some cases they also needed separate custodians and/or institutions, separate fees, calculations, multiple statements, and multiple applications. UMA offers less hassle, a more transparent fee structure, convenient monitoring and viewing, and portfolio customization to help meet your objectives.
Your UMA Portfolio Can Be Constructed Using...
Model portfolios developed and monitored by institutional investment managers. (Institutional managers are usually only available to investors who invest $500,000 to $1,000,000 per manager/investment.) With our unique concept, we can now offer you model portfolios and institutional managers with a minimum investment of $25,000 per account.
Exchange Traded Funds (ETF's) are a less costly alternative to mutual funds. ETF's may be used for strategies not available through investment managers. Mutual funds may be used if institutional managers and ETF's are not available for a particular strategy. Once a part of the UMA portfolio, mutual funds will be purchased without any upfront or back-end commissions.
Consult your investment advisor to learn more about your recommended portfolio. There is a risk of loss of principle when investing in securities.
Exchange Traded Funds (ETF's) are a less costly alternative to mutual funds. ETF's may be used for strategies not available through investment managers. Mutual funds may be used if institutional managers and ETF's are not available for a particular strategy. Once a part of the UMA portfolio, mutual funds will be purchased without any upfront or back-end commissions.
Consult your investment advisor to learn more about your recommended portfolio. There is a risk of loss of principle when investing in securities.
