Financial Planning
Built Around Clarity

Transparent, flat-fee financial planning for high-earning professionals and retirees who want a clear plan — not just managed assets.

Flat
Fee-Only Pricing
100%
Fiduciary, Always
CFP®
CERTIFIED FINANCIAL PLANNER™
Fee-Only Fiduciary
No commissions, ever
Alex Seebachan, CFP®
Alex Seebachan, CFP®
Founder & Fiduciary Advisor
Comprehensive Tax Planning
Retirement Strategy & Timeline
Investment Management
No AUM Fees
Flat, predictable pricing
Why Clear Advisors

Three Principles. One Clear Firm.

01

Clear Advice

No jargon. No confusing explanations. Just simple, direct guidance you can act on — covering taxes, retirement, cash flow, estate planning, and every corner of your financial life.

02

Clear Pricing

Flat, transparent fees — not based on your assets, not based on commissions. You always know exactly what you're paying and why. No calculators needed.

03

Clear Value

You should get more out of working with us than you put in. We help you capture the opportunities most people miss — smarter taxes, better investments, and a plan built with intention — at a flat fee that stays the same as your wealth grows.

Who We Serve

If This Sounds Like You, We Should Talk

We Specialize in Helping
High-Earning Professionals
Retirees & Near-Retirees
Households with $500K–$5M Net Worth
We're Probably a Good Fit If…
You want clarity, not jargon
You'd rather optimize than guess
You value long-term planning over short-term predictions
You want a financial partner, not a sales pitch
What We Do

Planning That Goes Beyond Investments

Tax Planning

Proactive strategies designed to reduce lifetime taxes and keep more of what you've earned.

Learn More →

Retirement Planning

Turn your savings into a retirement paycheck that lasts — with confidence in when you can retire and how much you can spend.

Learn More →

Investment Management

Evidence-based portfolios built around your goals — with both advice-only and fully managed options.

Learn More →

Comprehensive Financial Planning

Estate, insurance, family transitions, and legacy — every piece of your financial life coordinated into one strategy.

Learn More →
How We Invest

A Simpler, Smarter Investment Approach

You don't need fancy investing — just the right strategy applied consistently.

✓
Time in the market beats timing the market.
✓
Research-driven, not headline-driven. Evidence, not predictions.
✓
Simplicity wins. Low-cost portfolios outperform complexity.
✓
Costs and taxes matter. Your net return is what counts.
Clear Advisors
Traditional Advisor
✓ Flat, predictable fee
✗ % of your assets annually
✓ Fee-only fiduciary
✗ May earn commissions
✓ Planning-first approach
✗ Investment-product focused
✓ Tax strategy included
✗ Rarely included
✓ Fee stays flat as you grow
✗ Fee grows with your wealth
✓ Advice aligned with your goals
✗ Incentives may not align
How It Works

Our Simple 3-Step Process

No pressure. No surprises. Just a clear plan built around you.

1

Financial Planning Session

We get to know your goals, priorities, and full financial picture — deep understanding before anything is built.

2

Your Free Personalized Financial Plan

We present your retirement projections, tax plan, investment plan, and clear action steps — at no cost.

3

Ongoing Guidance

Annual or semi-annual reviews, with access to your advisor whenever life changes.

Pricing

Clear Pricing

Flat fees. No surprises. No percentages.

Core Planning
$125
/mo
Best for those who want guidance while staying involved.
Full Planning
$250
/mo
More proactive guidance and deeper ongoing collaboration.
Done For You
Managed Planning
$540
/mo
Your complete financial plan, fully implemented. One advisor. One fee.
Your Advisor

Meet Alex Seebachan

Alex Seebachan, CFP®

Founder of Clear Advisors and a Maryland-based CFP® professional and fee-only financial planner. Alex founded the firm with a simple belief: investors are better served by focusing on the financial decisions they can control than by trying to predict the next market move. His goal is to help clients keep more of what they've earned, reduce financial uncertainty, and retire with confidence.

Ready to Feel Clear and Confident
About Your Financial Future?

Let's talk. No pressure. No sales pitch. Just clear answers and a plan tailored to your life.

About

Advice Rooted in Clarity, Simplicity, and Trust

Alex Seebachan, CFP®, Founder of Clear Advisors
Founder & Advisor

Alex Seebachan, CFP®

Alex is the founder of Clear Advisors, a fee-only financial planning firm based in Maryland. He founded the firm with a simple belief: investors are better served by focusing on the financial decisions they can control than by trying to predict the next market move or chase the next hot stock. Instead, Alex helps clients optimize the areas that have the greatest long-term impact on their financial lives — taxes, retirement income, investment costs, savings, and the countless planning decisions that shape financial success.

Financial planning has been part of Alex's life for as long as he can remember. Having a father who spent a long career as a financial advisor gave him an early look at both the strengths and shortcomings of the traditional wealth management model. After earning a bachelor's degree in finance, becoming a CERTIFIED FINANCIAL PLANNER™ professional, and beginning his career advising clients on retirement, tax, and investment planning, Alex founded Clear Advisors to build the kind of firm he would want as a client: flat fees, no commissions, no asset gathering, and planning that goes far beyond just managing investments.

What Alex enjoys most is uncovering planning opportunities that can make a meaningful difference in someone's financial future — whether it's identifying a Roth conversion strategy that could save substantial taxes over a lifetime, developing a retirement income plan that provides greater confidence, or helping clients make smarter financial decisions year after year. His goal is simple: to help clients keep more of what they've earned, reduce financial uncertainty, and retire with confidence.

Outside of work, Alex enjoys spending time with his wife and two boys, staying active, and will rarely turn down a good board game.

What It Means to Be a Clear Advisor

Radical Transparency

You always know how we're paid, what you're paying, and why a recommendation is being made.

Planning Comes First

Taxes, retirement, estate planning, cash flow. Investments matter, but they're not the entire relationship.

Simplicity Over Complexity

If you can't understand what you own or why you own it, something is wrong. Clear advice makes your life simpler.

Long-Term Partnership

We're here to help you make better decisions over decades, not just this year.

Our Mission

Why Clear Advisors Exists

Clear Advisors' mission is to provide transparent, high-value financial planning and investment guidance that empowers individuals and families to make confident decisions with clarity and simplicity. We deliver unbiased advice, fair pricing, and modern tools so clients always understand their plan, their investments, and the steps needed to reach their goals.

Clarity Starts With a Conversation.

If that's the kind of relationship you're looking for, I'd love to talk.

Our Services

Helping You Make Smarter Financial Decisions
Before and Throughout Retirement

Financial planning isn't about finding the next hot stock or reacting to market headlines. It's about making better financial decisions over time.

At Clear Advisors, we take a planning-first approach. Every recommendation is made within the context of your goals, taxes, retirement timeline, investments, and overall financial picture — because the best financial decisions happen when every piece works together.

Tax Planning

Paying more in taxes than necessary can quietly erode decades of savings.

We help identify proactive strategies designed to reduce lifetime taxes and keep more of what you've earned.

Learn More →

Retirement Planning

Turning your savings into a paycheck that lasts.

We help you gain confidence in when you can retire, how much you can spend, and where your income will come from.

Learn More →

Investment Management

Your investments should support your plan — not drive it.

We build diversified, evidence-based portfolios designed around your goals — and offer both advice-only and fully managed options depending on how involved you want to be.

Learn More →

Comprehensive Financial Planning

Great planning is about how every decision connects to the next.

We coordinate the moving pieces of your financial life — estate, insurance, family, and life transitions — into one cohesive strategy.

Learn More →

Ready to Build a Plan Around Your Goals?

Whether you're wondering if you can retire, looking to reduce taxes, or simply want confidence that you're making the right financial decisions, we're here to help.

Tax Planning

Smart Planning Today.
Lower Taxes Tomorrow.

Tax planning isn't a once-a-year conversation — it's built into every financial decision we help you make.

Who is your person making sure you never pay a cent more in taxes than you have to? Typically CPAs stop at filing your return — wealth managers stop at investing your money. Clear Advisors helps you with tax-smart investing and a long-term strategy.

Is This Right for You?

Tax Planning Tends to Deliver the Most Value When You…

✓Have significant retirement account balances
✓Are approaching or already taking RMDs
✓Earn a high income and pay significant taxes
✓Are considering Roth conversions
✓Want to coordinate withdrawals in retirement
✓Prefer proactive planning over reactive filing
How We Help

Are You Leaving Money On the Table?

Taxes are often one of the largest expenses you'll pay throughout your lifetime, yet they're frequently overlooked in financial planning. We help identify proactive strategies designed to potentially reduce lifetime taxes, increase after-tax retirement income, and make smarter tax decisions before and throughout retirement.

Reduce Lifetime Taxes +

Small tax decisions today can create meaningful savings over your lifetime.

Included

  • • Tax bracket management
  • • Multi-year tax projections
  • • Annual tax planning
  • • Traditional vs. Roth 401(k) analysis
  • • Retirement contribution strategies
  • • Capital gain planning
  • • Tax withholding strategies
  • • Estimated tax payment guidance
  • • Tax return coordination with your CPA
Make the Most of Tax-Advantaged Savings +

Take advantage of the retirement accounts and tax laws available to you.

Included

  • • Backdoor Roth IRA
  • • Mega Backdoor Roth
  • • Roth IRA planning
  • • Traditional IRA planning
  • • Retirement account contribution optimization
  • • Catch-up contribution planning
  • • Health Savings Account strategies
Roth Conversion Planning +

One of the biggest tax-saving opportunities for many retirees can occur before Required Minimum Distributions begin.

Included

  • • Roth conversion analysis
  • • Multi-year Roth conversion strategies
  • • Partial Roth conversions
  • • Filling lower tax brackets
  • • Pre-RMD tax planning
  • • Widow tax planning
  • • Long-term tax projections
Tax-Efficient Retirement Income +

How and when you withdraw money can matter just as much as how you invest it.

Included

  • • Tax-efficient withdrawal strategies
  • • Withdrawal sequencing
  • • IRA withdrawals
  • • Roth withdrawals
  • • Brokerage withdrawals
  • • Required Minimum Distribution planning
  • • Social Security taxation
  • • Pension taxation
  • • Medicare IRMAA planning
Advanced Tax Strategies +

Additional planning opportunities that may help improve after-tax outcomes.

Included

  • • Charitable giving strategies
  • • Donor-Advised Funds
  • • Qualified Charitable Distributions
  • • Bunching deductions
  • • Tax-loss harvesting
  • • Tax-gain harvesting

Ready to Stop Leaving Money on the Table?

Schedule Your Planning Session and we'll walk through your situation — and build a custom tax plan, completely free.

Retirement Planning

Retire with Clarity,
Confidence, and a Plan.

Most people spend decades saving for retirement — but still aren't sure if they're truly on track. We turn those questions into a clear, step-by-step plan so you always know what to do next.

Is This Right for You?

Retirement Planning Tends to Deliver the Most Value When You…

✓Are within 5–15 years of retirement
✓Are recently retired
✓Want confidence in your retirement timeline
✓Are coordinating multiple income sources
✓Are making Social Security or Medicare decisions
✓Want a plan built to last decades — not just years
How We Help

Can You Retire With Confidence?

Retirement isn't simply reaching a certain account balance. It's knowing when you can retire, how much you can spend, where your income will come from, and having confidence that your financial plan can support the life you want to live.

Know When You Can Retire +

Gain confidence in your retirement timeline.

Included

  • • Retirement readiness analysis
  • • Retirement timing
  • • Retirement projections
  • • Retirement spending analysis
  • • Cash flow planning
  • • Lifestyle planning
  • • Sequence of returns analysis
Create Reliable Retirement Income +

Turn your savings into a dependable retirement paycheck.

Included

  • • Retirement income planning
  • • Safe withdrawal strategies
  • • Retirement cash flow
  • • Income sustainability analysis
  • • Pension decisions
  • • Required Minimum Distribution coordination
  • • Income distribution planning
Make the Most of Social Security & Medicare +

Small decisions can have a lasting impact throughout retirement.

Included

  • • Social Security claiming strategies
  • • Spousal benefits
  • • Survivor benefits
  • • Medicare enrollment guidance
  • • Healthcare before Medicare
  • • Medicare planning
  • • Health Savings Account planning
Make the Most of Employer Benefits +

Get more value from the benefits you've worked hard to earn.

Included

  • • Pension elections
  • • 401(k) planning
  • • 403(b) planning
  • • 457 plan guidance
  • • Deferred compensation
  • • Company stock strategies
  • • Restricted Stock Units (RSUs)
  • • Executive compensation
  • • Severance package planning
  • • Retiree healthcare benefits

Take the Stress Out of Retirement

Move forward with confidence. Start Your Financial Plan today.

Investment Management

Investing Made Clear, Simple,
and Built for Real Life

Our approach focuses on long-term discipline, tax efficiency, low costs, and evidence-based strategies — so you can stay focused on the things that matter most.

Our Investment Philosophy

✓
Time in the market beats timing the market.
✓
Research-driven, not headline-driven. Evidence, not predictions.
✓
Simplicity wins. Straightforward portfolios outperform complexity.
✓
Costs and taxes matter. Your net return is what counts.
✓
Stay the course. Reactive decisions during volatility are often the biggest risk to long-term returns.
How We Invest

Our Investing Principles

01

Start With a Plan

Your investments should serve your plan — not the other way around. Every portfolio begins with a financial plan built around your retirement, taxes, cash flow, and long-term goals.

02

Keep It Simple

We don't believe complexity creates value by itself. We start with straightforward, globally diversified portfolios and only add complexity when it meaningfully improves your outcome.

03

Optimize Where It Matters

When it can add real value, we may implement tax-efficient strategies such as asset location, tax-loss harvesting, and household portfolio coordination to improve after-tax results.

Advice vs. Management

Two Ways We Work on Your Investments

Every Clear Advisors client gets an investment plan. Depending on the level of involvement you want, we either guide you through implementing it — or we handle it for you.

Core Planning & Full Planning

Investment Advice

We build your investment plan and give you clear guidance on how to implement it — allocation, account types, contributions, and rebalancing. You handle the trades in your accounts.

Best For

Confident do-it-yourselfers who want expert guidance but prefer to stay hands-on with their accounts.

Managed Planning

Portfolio Management

We manage your investments directly — trades, rebalancing, tax-loss harvesting, and coordination across accounts — so you can stay focused on what matters most.

Best For

Clients who prefer a fully hands-off experience and want their advisor doing the work.

Compare all three packages →
The Details

What's Included in Investment Management

Build a Strong Portfolio +

Create an investment strategy designed around your goals.

Included

  • • Portfolio construction
  • • Asset allocation
  • • Diversification
  • • Risk assessment
  • • Evidence-based investing
  • • Investment Policy Statement
Stay Invested with Confidence +

Long-term success often comes from discipline, not prediction.

Included

  • • Portfolio monitoring
  • • Portfolio rebalancing
  • • Risk management
  • • Cash reserve strategies
  • • Performance reviews
  • • Behavioral coaching
Invest Tax Efficiently +

Taxes don't stop once your money is invested.

Included

  • • Asset location
  • • Tax-efficient investing
  • • Tax-loss harvesting
  • • Capital gain management
  • • Coordinating taxable and retirement accounts

Ready to Invest with Clarity?

Book a free intro call to see which approach is right for you.

Comprehensive Financial Planning

Every Piece of Your
Financial Life, Aligned

Great financial planning isn't about making one good decision — it's about making sure every financial decision supports the next.

Estate documents, insurance, family transitions, major purchases, education, and legacy — we coordinate the moving pieces of your financial life into one cohesive strategy.

Is This Right for You?

Comprehensive Planning Tends to Deliver the Most Value When You…

✓Want one advisor coordinating every decision
✓Have estate documents that need review
✓Aren't sure your insurance coverage still fits
✓Are navigating a major life transition
✓Want to protect your family and legacy
✓Value a long-term planning relationship
How We Help

Is Every Part of Your Financial Life Working Together?

Great financial planning isn't about making one good decision — it's about making sure every financial decision supports the next. We coordinate the moving pieces of your financial life into one cohesive strategy.

Protect Your Family & Your Legacy +

Help ensure your wishes are carried out and your family is protected.

Included

  • • Estate planning review
  • • Trust review
  • • Beneficiary review
  • • Powers of Attorney
  • • Healthcare directives
  • • Legacy planning
  • • Inherited IRA planning
Protect What You've Built +

Review the risks that could impact your financial future.

Included

  • • Life insurance review
  • • Disability insurance review
  • • Umbrella liability review
  • • Long-term care analysis
  • • Property & casualty insurance review
Navigate Life's Financial Decisions +

Financial planning doesn't stop after retirement.

Included

  • • Goal planning
  • • Major purchase decisions
  • • Mortgage analysis
  • • Debt analysis
  • • Family financial planning
  • • Education planning
  • • Ongoing financial guidance
  • • Annual planning updates
  • • Life transition planning

Ready to Build a Plan Around Your Goals?

Whether you're wondering if you can retire, looking to reduce taxes, or simply want confidence in your financial decisions, we're here to help.

Pricing

Simple, Flat-Fee Pricing.
No Surprises. Ever.

Core Planning
$125
/mo
Best for those who want guidance while staying involved.
  • ✓Annual Proactive Financial Review +
    This is a structured, working session — not just a check-in.

    Before we meet, I review your full financial picture and identify planning opportunities. During the meeting, we focus on key decisions and prioritize what matters most.

    You leave with:
    • Clear action steps
    • Updated projections
    • Specific recommendations to improve your financial situation

    If these reviews are skipped, important opportunities can be missed — sometimes costing thousands over time.
  • ✓One On-Demand Meeting Included +
    Separate from your scheduled annual review — these are situational meetings for questions or decisions that come up during the year.

    Meetings may be initiated:
    • By you when a financial situation or question comes up
    • By your advisor when a follow-up or specific issue should be addressed

    Example topics:
    • Retirement decisions
    • Tax questions
    • Job changes
    • Roth conversion discussions
    • Investment allocation questions
    • Major purchase decisions
    • Social Security timing
    • Cash flow concerns
  • ✓Ongoing Support for Questions & Financial Decisions +
    Between scheduled meetings, you have direct access for the quick stuff — short questions, fast decisions, and the small clarifications that come up in everyday financial life.

    You can reach out by:
    • Email for written questions or document review
    • Phone or text for time-sensitive decisions

    Typical use cases:
    • "Is this 401k change form filled out right?"
    • "I got a bonus — does my Roth contribution math still work?"
    • Quick gut check before signing an offer letter
    • Clarifying something we discussed at our last meeting

    Reserve longer conversations and bigger decisions for your On-Demand Meeting — that's what it's there for.
  • ✓Financial Planning Software +
    Access to RightCapital — a powerful planning portal where you can see your full financial picture, projections, and plan in one place.
Full Planning
$250
/mo
More proactive guidance and deeper ongoing collaboration.
  • ✓ Everything in Core Planning, plus...
  • ✓A Second Proactive Financial Review Each Year +
    A second review allows us to go beyond a once-per-year planning cycle and make more refined decisions throughout the year.

    With two reviews, we can:
    • Revisit your plan with updated information at the beginning of the year
    • Adjust strategies before key deadlines like tax filing
    • Go deeper into areas that require more detailed analysis
    • Move through important planning topics more efficiently as your complexity grows

    This leads to more timely decisions, fewer missed opportunities, and a more consistently optimized financial plan.
  • ✓A Second On-Demand Meeting Included +
    Separate from your scheduled proactive reviews — these are situational meetings for questions or decisions that come up during the year. Full Planning includes two on-demand meetings to match the higher complexity these clients typically have.

    Meetings may be initiated:
    • By you when a financial situation or question comes up
    • By your advisor when a follow-up or specific issue should be addressed

    Example topics:
    • Retirement decisions
    • Tax questions
    • Job changes
    • Roth conversion discussions
    • Investment allocation questions
    • Major purchase decisions
    • Social Security timing
    • Cash flow concerns
Done For You
Managed Planning
$540
/mo
Your complete financial plan, fully implemented. One advisor. One fee. Nothing falls through the cracks.
  • ✓ Everything in Full Planning, plus...
  • ✓Portfolio Management +

    Fully managed, professionally rebalanced portfolio with tax-efficient portfolio construction and household-level investment coordination across all accounts.

    Includes
    ✓Tax-loss harvesting (when applicable)
    ✓Asset location optimization
    ✓Risk-based rebalancing to maintain your target allocation
    ✓Ongoing portfolio adjustments as your goals evolve
  • ✓Tax Strategy Implementation +

    Execution of key tax strategies throughout the year, fully coordinated between your investments and tax plan.

    Includes
    ✓IRA contributions
    ✓Backdoor Roth IRA implementation
    ✓Roth conversions
    ✓Capital gain and loss harvesting
    ✓Gifting appreciated securities
    ✓Donor-advised fund (DAF) contributions
  • ✓Account & Cash Flow Management +

    We handle the operational side so nothing falls on you.

    Includes
    ✓Opening and transferring accounts
    ✓Custodial account setup
    ✓RMD setup and execution
    ✓Automatic contributions and savings plans
    ✓Automatic withdrawals and distributions
    ✓One-time transfers and cash movement
    ✓Coordination across all accounts
  • ✓Retirement Income & Withdrawal Strategy Implementation +

    We structure how your money is actually used in retirement.

    Includes
    ✓Tax-efficient withdrawal sequencing (which accounts to draw from and when)
    ✓Ongoing management of retirement income
    ✓Coordination across Social Security, retirement accounts, and brokerage
    ✓Adjustments to reduce taxes and manage income over time
  • ✓Ongoing Oversight & Coordination +

    Continuous monitoring to ensure everything stays aligned.

    Includes
    ✓Ensuring excess cash is properly invested
    ✓Reinvesting dividends and managing idle cash
    ✓Keeping your portfolio aligned with your plan
    ✓Tracking time-sensitive actions (RMDs, contributions, tax moves)
    ✓Coordination with your CPA and other professionals when needed

Compare Your Options

Feature Core Planning Full Planning Managed Planning
Annual Proactive Financial Review✓✓✓
On-Demand Meeting✓✓✓
Ongoing Support for Questions & Financial Decisions✓✓✓
Financial Planning Software (RightCapital)✓✓✓
A Second Proactive Financial Review—✓✓
A Second On-Demand Meeting—✓✓
Portfolio Management & Rebalancing——✓
Tax Strategy Implementation——✓
Account & Cash Flow Management——✓
Retirement Income & Withdrawal Strategy——✓
Ongoing Oversight & Coordination——✓
Monthly Price$125$250$540
Billing

Simple, Month-to-Month

All services are billed monthly through AdvicePay. No long-term contracts, no annual commitments, no cancellation fees — just transparent monthly billing.

Monthly Subscription

Month-to-month service. No long-term contract, no cancellation fees.

Tier Flexibility

Upgrade or downgrade at any time. Changes take effect on your next monthly billing cycle.

When Billing Starts

Billing begins once your advisory agreement is signed and your first AdvicePay payment is completed.

Cancellation takes effect 30 calendar days after we receive your written notice. Services remain active during the notice period. See our FAQ for full billing details.

Fee Comparison

See How Much You Could Save

Compare our flat fee against a traditional advisor — with your actual numbers.

$
$100K$5M
%
Industry avg ~1.0%
Clear Advisors
$3,000
per year
Traditional Advisor
$10,000
per year
Your Annual Savings
Over 10 years, that is $70,000 back in your pocket — money that could keep growing.
$7,000

For illustration purposes only. AUM fees vary by advisor and portfolio size. Clear Advisors services are billed monthly through AdvicePay on a month-to-month basis.

Not Sure Which Package Is Right?

Book a free intro call. We'll help you figure out exactly what level of support fits your goals.

Our Process

No Pressure. No Surprises.
Just a Clear Plan Built Around You.

1

Financial Planning Session

We really get to know you — your goals, priorities, concerns, and your financial picture at a high level. Taxes, retirement, investments, cash flow, and upcoming decisions.

This is a deeper conversation where we understand the areas of your financial life where we can provide the most value. We listen first — then start identifying opportunities and priorities. No recommendations are delivered here — this session is about understanding you fully before we build anything.
2

Your Free Personalized Financial Plan

We present a personalized financial plan built specifically around you, addressing your highest-priority items first. You'll see exactly what the next 6–12 months would look like working together.

This is your meeting — not a sales pitch. We walk through your retirement projections, tax plan, investment plan, and clear action steps. There is no cost until you decide to move forward. You see how we think before you commit to anything.
3

Ongoing Guidance — A Long-Term Partnership

Once you're a client, we work together as long-term partners. Meetings rotate through topics based on your individual situation, and you have access to guidance as life changes come up.

Depending on your package, we meet once or twice per year for structured planning reviews. Between meetings, you can reach us by email or phone with questions. Our goal is to be the trusted advisor you call when a big financial decision comes up — not just an annual checkup.

Why do we offer free, personalized plans?

Simple: transparency. I want you to see how we think, how we plan, and how we'd help you before you commit to anything. Our goal isn't to overwhelm you with complexity — it's to help you make better financial decisions with confidence, year after year.

FAQ

Frequently Asked Questions

Can't find what you're looking for? Email us at info@clearadvisors.finance.

Who do you specialize in helping?+
We work best with high-earning professionals approaching or in retirement, typically with $500K–$5 million in net worth. Our clients are looking for an ongoing relationship, not a one-time plan. They value clear, straightforward advice, believe in evidence-based investing over speculation, and want their financial life simplified and optimized.
Do you work with clients outside Maryland?+
Yes. While Maryland is our primary focus, we can work with clients in other states depending on registration requirements.
Do I need a certain net worth to work with you?+
No minimum. Our clients range from early accumulators to multimillion-dollar households. The only requirement is that you want expert advice and are ready to take action.
What's the difference between Core and Full Planning?+
Core Planning includes one annual Proactive Financial Review and one on-demand meeting for questions or decisions that come up during the year. Full Planning includes everything in Core, plus a second annual review and a second on-demand meeting — better suited for clients with more complexity or who want more frequent check-ins. Both cover core areas like retirement, tax planning, investments, insurance, estate, cash flow, and more.
Can I be a planning client without investment management?+
Yes. Investment management is optional. Most clients begin with planning and later add implementation when they want full support.
What does "flat-fee-only" mean?+
Fee-only: We are only compensated by our clients — never by commissions. Flat-fee: Your cost is fixed and not based on your assets. Your fee reflects the time, expertise, and ongoing resources required to serve you.
How does billing work?+
All services are billed monthly through AdvicePay, a secure payment platform built specifically for financial advisors. Services operate on a month-to-month subscription basis — no long-term contract commitment, and no cancellation fees.
When does billing start?+
For Core Planning and Full Planning, billing begins once you sign the advisory agreement and complete your first payment through AdvicePay. Services begin once onboarding is complete and the client relationship is active. Managed Planning is also billed as a monthly subscription through AdvicePay, beginning once advisory agreements are signed.
Can I upgrade or downgrade my plan?+
Yes. You may upgrade or downgrade your service tier at any time. Tier changes become effective on the next monthly billing cycle.
What happens after I send my cancellation notice?+
After we receive your written cancellation notice, services and billing continue for 30 calendar days. You'll receive full advisory services during that notice period, and there are no partial refunds. This gives us time to finalize any outstanding planning items and make sure you're set up well for whatever comes next.
How do you invest client money?+
Our approach is based on long-term, evidence-based investing; diversified, low-cost index funds; a focus on simplicity; tax-efficient portfolio construction; matching risk to your goals; and strategy, not speculation. We often use low-cost, all-in-one diversified funds because of their strong structure and long performance history, and tailor the mix to your specific goals and risk tolerance.
Are all-in-one funds diversified enough?+
Yes. These funds hold thousands of globally diversified stocks and bonds. They are used by major institutions, pensions, and endowments — offering simplicity with institutional-level diversification behind the scenes.
Do you offer more customized portfolios?+
Yes. For clients with large taxable accounts or more complex needs, we offer enhanced, tax-efficient portfolio designs and more hands-on implementation.
Do you offer tax preparation?+
We intentionally focus on tax planning rather than tax preparation — the strategic decisions made throughout the year (Roth conversions, harvesting, withdrawal timing) tend to have far more impact than the return itself. We work alongside your CPA or tax preparer to make sure your plan and your filing are fully aligned.
Do you help with estate planning?+
Yes — we review wills and beneficiaries, help determine whether a trust may be appropriate, coordinate with your attorney, and discuss estate taxes and gifting strategies. (We do not draft legal documents.)
Can you work with my CPA, attorney, or insurance agent?+
Absolutely. We coordinate with your existing professionals so your entire financial life is aligned.
Do you offer in-person or virtual meetings?+
Both. Choose whichever is more convenient for you.
Will you tell me exactly what to do?+
Yes. Our recommendations are clear, direct, and actionable — broken into simple steps.
How does cancellation work? Are there fees?+
All services are month-to-month with no long-term contract and no cancellation fees. To cancel, simply send us written notice — either by email or letter. Services and billing continue for 30 calendar days after we receive your notice. This gives us time to wrap up any final planning items and coordinate the transition.
Can I email my advisor with questions?+
Yes. You can email us anytime regarding life changes, investments, taxes, or anything affecting your financial picture.
What happens if something happens to my advisor?+
We have a full business continuity plan in place. You always retain access to your accounts and financial plan. We never hold custody of your money — custodians (such as Charles Schwab) safeguard your assets. A designated backup advisor will help transition service seamlessly if needed.
Is linking my accounts safe?+
Yes. Our planning software uses read-only, bank-level encryption. It cannot move money or access login credentials — it only reads balances and holdings to help us build accurate projections.
What can I send you over email?+
Please don't send sensitive personal or financial information — Social Security numbers, account numbers, passwords, etc. — via email, since it isn't a fully secure communication method. For secure document sharing, we'll provide access to our client portal. Please also note that we do not accept trade instructions or investment directions via email.
Is a financial planner worth it?+
Research consistently shows that households working with a financial planner build significantly more wealth, reduce taxes, avoid emotionally driven investment mistakes, and make clearer financial decisions. Beyond the numbers, clients gain peace of mind and a trusted guide throughout life's biggest financial milestones.
What is the sign-up process like?+
Once you're ready: (1) We provide disclosures and our agreement to e-sign. (2) We invite you to our planning portal. (3) We ask for key documents (paystub, 401k, tax return, statements, etc.). (4) You reflect on your goals and priorities. (5) We begin analyzing, building projections, and crafting your personalized plan. We review everything together and help you implement each step.

Still Have Questions?

Book a free intro call — we'll answer anything and show you exactly how we can help.

Client Access

Client Login Portals

Access your financial planning portal and investment accounts through our secure client portals.

Get Started

Start Your
Financial Plan

Schedule your Financial Planning Session — the first step toward a clear, personalized financial plan built around you.

✓

No Cost, No Commitment

Your Financial Planning Session is completely free. See how we work before you decide anything.

🕐

60–90 Minutes

A focused working session where we dig into your financial picture.

📍

Virtual or In-Person

Your choice. We work with clients across Maryland and beyond.

💬

Real Clarity

You'll leave with a clear sense of your financial picture and what matters most.

Prefer to reach out directly?
📧 info@clearadvisors.finance
📞 443-295-9371

Legal

Privacy Policy

Effective Date: July 2, 2026

Clear Advisors LLC ("Clear Advisors," "we," "our," or "us") recognizes that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and to preserve the private nature of our relationship with you. We place the highest value on the information you share with us. We want our clients to understand what information we collect, how we use it, and how we protect your personal information.

Why We Collect Your Information

We gather information about you so that we can:

  • Help design and implement the investment and financial planning-related services we provide you; and
  • Comply with the Federal and State laws and regulations that govern us.

What Information We Collect and Maintain

We may collect the following types of "nonpublic personal information" about you:

  • Information from our initial meeting or subsequent consultations about your identity, such as your name, contact information, Social Security number, date of birth, and financial information;
  • Information that we generate to service your financial needs; and
  • Information that we may receive from third parties in connection with the services we provide you.

What Information We Disclose

We are permitted by law to disclose nonpublic personal information about you to unaffiliated third parties in certain circumstances. Clear Advisors may disclose client's nonpublic personal information: (1) to individuals and/or entities not affiliated with Clear Advisors, including, but not limited to third-parties that assist in the supervision or management of your account(s) (i.e., sub-advisers, account custodian, record keeper, attorney, etc.); (2) to service providers contracted by us in order for us to perform the duties in furtherance of the client's engagement with Clear Advisors (i.e., client management systems, archiving technology vendors, cloud service providers, etc.); (3) to your authorized representative or power of attorney; (4) when we receive your prior consent; (5) in connection with a proposed or actual sale, merger, or transfer of all or a portion of our business; and (6) as otherwise permitted to do so in accordance with the parameters of applicable federal and/or state privacy regulations.

We will not sell your personal information. No contact information, including phone numbers and email addresses, will be shared with third parties or affiliates for marketing or promotional purposes. In the event that Clear Advisors has a change to its client privacy policy that would allow it to disclose nonpublic personal information not covered under applicable law, Clear Advisors will allow its clients the opportunity to opt-out of such disclosure.

How We Protect Your Personal Information

We restrict and limit access to client information only to those who need to carry out their business functions. We safeguard client information by preventing its unauthorized access, disclosure, or use. We maintain physical, electronic, and procedural safeguards to protect your confidential personal information. Arrangements with companies or independent contractors not affiliated with Clear Advisors will be subject to confidentiality agreements.

Former Clients

Even if we cease to provide you with financial services, our Privacy Policy will continue to apply to you, and we will continue to treat your nonpublic personal information with strict confidentiality. We maintain all records regarding all former clients for the retention period required by law.

Email Communications

Important: Please do not transmit sensitive personal or financial information (such as Social Security numbers, account numbers, or passwords) via email, as email is not a fully secure communication channel. We will provide secure methods for document sharing through our client portal. Additionally, we do not accept trade instructions or investment directions via email. Any such instructions received by email will not be acted upon.

Cookies and Website Usage

Our website may use cookies and similar technologies to improve your browsing experience and understand how visitors interact with our site. You may disable cookies through your browser settings, though doing so may affect certain website functionality.

Your Rights

You have the right to request access to, correction of, or deletion of your personal information, subject to applicable legal and regulatory requirements. To make a request, please contact us using the information below.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify clients of material changes and post the updated policy on our website. Your continued use of our services following any update constitutes acceptance of the revised policy.

Contact Us

Clients are encouraged to discuss any questions regarding privacy policies and procedures directly with Alexandros Seebachan, Chief Compliance Officer of Clear Advisors.

Clear Advisors LLC
348 Hemsley Drive
Queenstown, MD 21658
📞 443-295-9371
📧 info@clearadvisors.finance

Legal

Terms of Use

Effective Date: July 2, 2026

Welcome to the Clear Advisors LLC website. By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with these terms, please do not use this website.

Use of This Website

This website is provided for general informational purposes only. The content on this site does not constitute personalized investment, tax, or legal advice. Clear Advisors LLC is a registered investment adviser in the State of Maryland. Registration does not imply a certain level of skill or training.

You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict or inhibit their use of this website.

No Investment Advice

Nothing on this website should be construed as a solicitation to buy or sell any security, or as personalized financial, investment, tax, or legal advice. Information presented on this site is general in nature and may not apply to your individual circumstances. Before making any financial decisions, please consult with a qualified professional.

Accuracy of Information

We make reasonable efforts to ensure the accuracy of information on this website, but we do not warrant that all content is complete, current, or error-free. Clear Advisors LLC is not responsible for any errors or omissions or for the results obtained from the use of any information provided on this site.

Third-Party Links

This website may contain links to third-party websites for your convenience. Clear Advisors LLC does not endorse or control the content of any linked site and is not responsible for the accuracy, legality, or content of any external website. Access to any linked website is at your own risk.

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Clear Advisors LLC or its content providers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content on this site without our prior written consent.

Limitation of Liability

Clear Advisors LLC shall not be liable for any damages arising from your use of, or inability to use, this website or any linked site. This includes, without limitation, direct, indirect, incidental, punitive, and consequential damages.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law provisions.

Changes to These Terms

We reserve the right to update these Terms of Use at any time. Your continued use of this website after any changes constitutes your acceptance of the revised terms.

Contact Us

If you have any questions about these Terms of Use, please contact us:

Clear Advisors LLC
348 Hemsley Drive
Queenstown, MD 21658
📞 443-295-9371
📧 info@clearadvisors.finance

Legal

Important Disclosures

Effective Date: July 2, 2026

Registered Investment Adviser

Clear Advisors LLC is a registered investment adviser in the State of Maryland. Registration does not imply a certain level of skill or training. Clear Advisors may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.

Form ADV

Our Form ADV Parts 2A and 2B (our "Firm Brochure" and "Brochure Supplement") describe our services, fees, business practices, methods of analysis, disciplinary information, and conflicts of interest in detail. The current brochure is dated July 2, 2026.

Form ADV Part 2A & 2B
Firm Brochure & Brochure Supplement · July 2, 2026 · PDF
Download PDF ↓

You may also request a current copy at any time by contacting us, or view our filings on the SEC's Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov.

Custodian

Client assets under management are held in custody by Charles Schwab & Co., Inc. ("Schwab"), an independent qualified custodian. Schwab is not affiliated with Clear Advisors LLC. Clear Advisors LLC does not take custody of client funds or securities. Clients should receive account statements directly from Schwab and are encouraged to review them carefully and compare them to any statements received from Clear Advisors.

Fee-Only Fiduciary

Clear Advisors LLC is a fee-only registered investment adviser. We are compensated solely by our clients — we do not receive commissions, referral fees, or compensation from third parties in connection with our recommendations. As a fiduciary, we are legally obligated to act in your best interest at all times.

No Guarantee of Results

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Financial planning projections and scenarios are for illustrative purposes only and are not a guarantee of any particular outcome. Actual results may differ materially from projections due to changes in market conditions, tax laws, personal circumstances, and other factors.

Tax and Legal Advice

Clear Advisors LLC provides general tax planning guidance as part of its financial planning services. We do not prepare tax returns or provide legal advice. Clients are encouraged to work with a qualified CPA and/or attorney for tax preparation and legal matters. We are happy to coordinate with your existing tax and legal professionals.

Email Communications

Please do not transmit sensitive personal or financial information via email, as email is not a secure communication method. We do not accept trade instructions or investment directions via email. All investment instructions must be provided through our secure client communication channels or verbally confirmed with your advisor.

Website Disclaimer

The information on this website is provided for general informational and educational purposes only. It does not constitute personalized investment, tax, or legal advice and should not be relied upon as such. Clear Advisors LLC makes no warranty that the information on this site is accurate, complete, or current. Use of this website is subject to our Terms of Use.

Contact

Clear Advisors LLC
348 Hemsley Drive
Queenstown, MD 21658
📞 443-295-9371
📧 info@clearadvisors.finance

Clear Advisors LLC is a registered investment adviser located in the State of Maryland. Registration does not imply a certain level of skill or training. The information on this website is limited to the dissemination of general information and should not be construed as personalized investment, tax, or legal advice. Investments involve risk and are not guaranteed.