Investment Management

 

Our investment management service allows you the freedom to enjoy your financial success, and have peace of mind that your investments are in the right hands. We create a custom-tailored plan to fit your risk tolerance and specific financial situation. Our investment strategy is to achieve tax-efficient, long-term capital appreciation, and we accomplish this goal by utilizing Dimensional Funds.

 

Mark Young is one of a select number of advisors approved to offer Dimensional Funds, which use an investment strategy that is backed by decades of empirical Nobel Prize-winning research.

To learn more about Dimensional Funds click here.

Financial Planning

 

Clearview Financial provides you with the guidance for a long and financially sound retirement. We utilize technology that allows us to give you a clear view of how you can plan to meet your financial needs, goals, and dreams in retirement.  

 

Mark Young’s unique experience as a CPA and CFP also gives him the knowledge to provide you with the most tax-efficient strategies for today and tomorrow.

We can assist our clients through complicated and often difficult tax situations. Clients who are faced with issues such as large stock option gains, sales of rental properties or any other unique financial situation, will benefit from our tax planning process to make the best financial decision possible.

 

If you are interested in tax preparation services, please follow the link to Mark Young CPA

Estate Planning

We can help to see that your wishes are fulfilled in passing on your wealth to your heirs. Although the estate planning limit has been increased, there are still unique situations that require advance planning. We can help you plan properly to accomplish your goals.

We can help you choose the smartest and most efficient strategies for funding your children's or grandchildren's education.    We'd like to assist you with your goal of helping your children obtain the college education they desire without graduating with the burden of thousands of dollars on student loans.

Retirement Planning

Tax

Planning

College 

Planning

Equity Compensation Analysis and Planning

 

Employees in the Biotech and Technology fields often receive some form of equity compensation including ISO’s, NQSO’s, RSU’s, or ESPP’s. These types of plans come with huge wealth creation opportunities, but also huge risks. If you work with us, we can help you maximize the after-tax value of these plans, while also managing the substantial risks. 

Managing your stock options can be very emotional. That’s why we use technology that helps us create an objective strategy to determine when to exercise your options. The technology uses algorithms that measure the current value as well as the potential future value remaining in your stock options and uses these values to give us a metric of the potential risk and reward of your options. These values are tracked in real-time and automatically notify us when our parameters have been met. We then combine this knowledge with information on your current tax situation to determine a tax-efficient strategy to maximize the value of your options.

We can help you answer questions such as:

  • When should I exercise my options?

  • What is the risk and possible reward of waiting to exercise?

  • After I exercise my options should I sell them right away or hold onto the stock?

  • Are there tax advantages to holding the stock?

  • I’ve heard about Alternative Minimum Tax(AMT) when exercising ISO’s. How do I avoid paying that?

  • How many ISO’s can I exercise in one year without paying AMT?

  • Should I hold onto my ESPP purchases or sell them? How do I save on taxes?

  • When should I sell my RSU’s?

  • What is the total potential value of equity compensation I would lose if I left my company early?

  • What role do my options play in reaching my financial goals?

  • What percentage of my net worth is in my company stock?

  • What is the after-tax value of my options and RSU’s?

To see an example of the reports we provide and the information located in your portal, please click on the link below:

Summary Report for "John Smith" 

We offer our stock option management service as a stand-alone service and as part of our full service.  Schedule a "Get to Know You" Meeting to learn more.

© 2018 by Clearview Financial, Inc.