The investor's chief problem - and even his worst enemy - is likely to be himself.

- Benjamin Graham

Independent. Disciplined. Patient. Principled. Private.

 

Clare Market Investments, LLC, is a cutting-edge, technology-savvy, registered investment advisor and financial planning firm. We construct customized financial plans to serve as a blueprint for our clients' financial lives and to properly manage risk. In this fast-moving, data-driven world, we employ the latest technology to stay ahead of the market and to maximize risk-adjusted portfolio returns. 

 

 

Having a financial plan can give you the confidence to invest with your entire financial picture in mind. Affordable, accessible, and online, our self-guided, digital planning tools are backed by expert advice so you can begin building your financial future with the personalized support you need.

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Services

Investment Management

As your trusted advisor, our job is to help you address the complexities of today's marketplace with professional guidance, a disciplined process, proper resources and unceasing vigilance. It is our privilege to offer you this kind of service because in your busy life, you have better things to do than spending the kind of time it takes to keep up with the markets.

Financial Planning

We believe that working with a CERTIFIED FINANCIAL PLANNER TM affords our clients the highest level of competency, ethics and professionalism in the industry. The CFP® professional puts the client’s interest first, providing financial planning services only in the best interest of the client - a “fiduciary” standard.

Wealth E-Organizer

Helping clients organize their financial life with a customized digital wealth management portal: A dynamic offering that consolidates assets, tracks cash-flow, spending and savings, and providing online workshops, videos, and articles to educate how important financial decisions will impact their future. 

Blog

A Quick Guide to Planned Giving

By Keith A. Rhodus on Apr 20, 2018

Almost any large nonprofit organization has a planned giving department that will guide you through the maze of giving options available. While planned giving can be very beneficial – and profitable for organizations, it’s also an effective way for you to realize significant tax benefits, have income provided, and be assured that the organization or charity that you’ve supported for years will continue to be provided for in the future.

Navigating through the various planned giving options is not for the faint of heart, and most people will benefit from the assistance provided by a financial planner, who can help you create an estate plan that is centered on the planned giving options you’re most comfortable with. Here are just a few of the options to keep in mind when creating your estate plan:

Leave a Bequest - One of the simplest ways to remember your favorite charity is by giving through a will or living trust, designating an amount or leave a percentage of your estate to the charity of your choice.

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With home values finally recovering from their steep declines of the last half decade, and interest rates still hovering around their historic lows, homeowners are, once again, looking to their home equity for financing. Among all of the factors that go into home equity financing, the first consideration should be the type of financing – a home equity loan (HEL) or a home equity line of credit (HELO). Both serve the purpose of tapping your home equity, and both offer attractive interest rates; however, they function very differently. Here’s how to determine which is right for you.

How they differ

An HEL is, essentially, a fixed load with a fixed monthly payment to be paid over a fixed time period – much like your original mortgage except the amount of the loan is based on the amount of equity you have in your home. A typical HEL has a loan period of 10 or 15 years. Because the interest rate is guaranteed, it tends to be a bit higher than the interest rate applied to a HELOC (HELs can also offer an adjustable rate that fluctuates with the prime rate but has a guaranteed ceiling rate).

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Although whole life insurance, in its present form, has been around for over a century, it remains somewhat of an enigma for people who want to buy permanent protection, especially as new forms of life insurance have sprung up around it over the last several decades. Yet, it remains the securest way to provide for long-term protection and, when it is fully understood, it can also be the most cost-effective way to own permanent, lifelong life insurance coverage. For people who recognize that the need for life insurance may never go away, whole life insurance is still the best way of providing secure, guaranteed protection.

One of the criticisms of whole life insurance is that it is structured in a way that is not very transparent to the policyholder. Although it offers absolute guarantees as to the amount of premium, face amount and cash value growth; people tend to shy away from it because it the inner workings of the policy are not clear such as they are with a universal life policy.

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