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HELPING YOU TURN YOUR FINANCIAL VISION

—  Into A Reality  —.



You Only Get One Retirement, Let's Make It Count 

Whether you've just retired or just starting out, the idea of "Wealth Management" is at the core of what we do at our firm. 

By providing you with comprehensive and personalized financial planning that integrates all the aspects of your financial life - investments, tax planning, insurance, cash flow, debt management, and estate planning. We seek to advance your financial life and help to protect you from the uncertainties of any financial blind-spots that can occur over a lifetime.

As independent firm, the core of what we do is to be laser focused on what is most important in the lives of our clients.  

Our mission is to provide clarity to your financial life by providing simplicity, transparency and excellent service. Our core values represent the firm we built for our clients and it all begins with trust.  Trust is the highest of our core values and we earn that trust by being clear and always focused on the virtue that we must always put our clients interests ahead of our own.

A CLEAR FOCUS ON WHAT IS IMPORTANT

Who We Are

Investment Management and Financial Planning in Irvine, CA

We founded Clearsight Wealth Management, Inc. as an Independent wealth management firm, built with the philosophy that the traditional investment firm model is broken and needs to be fixed. Our experience has led us to strike the right balance between our clients’ busy lives and the financial decisions they have to make in order to plan for their future. Every detail of our firm was thought out to provide our clients with the confidence to entrust us as your preferred financial partner. We believe simplicity, transparency and superior service is the true balance to bring clarity to our clients..

Our Results in Advanced Planning process allows us to take the deepest dive into your financial life and recognize that your our finances can be complex. We address your concerns and construct a plan that meets your most demanding needs for flexibility. We build portfolios that are focused on the long term objectives but take into deep consideration that markets change on a daily basis. We educate our clients to make them better, more confident investors by understanding the importance of a long term investment plan.

Understanding what to do and what not to do can make a huge difference in your future financial security.


John Balmer

With nearly two decades of experience working with both institutional and individual investors, John is a seasoned Wealth Manager who has consulted on a broad range of investment matters. John's experience working with institutional investors, High Net Worth individuals and business owners in the areas of focused retirement planning and  investment management strategies, allows him to bring a unique perspective to today's retail investor.  John believes this unique experience brings a tremendous amount of value to his clientele and disrupts the outdated way managing investments commonly found at most financial firms.

Prior to founding Clearsight Wealth, John spent 8 years as an advisor with the largest independent broker dealer in the country. This experiences has allowed John to focus on developing a client service model that is not only personalized but extremely efficient. John is formerly a Director in the Global Credit Group at BlackRock.  During his tenure at BlackRock (formerly BGI), John’s team managed Global Credit across all business units where he was instrumental in developing market expansion of the iShares™ ETF business.  John spent the early years of his career at Deloitte & Touche, Citigroup, and with a multi-strategy Private Equity Investment where he focused on capital allocations to their late stage venture capital team.

John holds a degree in Agribusiness from Cal Poly, San Luis Obispo and is also FINRA Series 7, 66, licensed.  John can be found traveling and exploring the coastal waters of Southern California and enjoying the scenic wilderness in our local mountains.


OUR GOAL IS TO GIVE YOU:
CLARITY, BALANCE, AND CONFIDENCE

What We Do

Unlike the big banks, we are obsessed with doing everything we can to eliminate any conflicts of interest. Helping our clients achieve their lifelong financial goals is our first and only priority


We understand the importance of taking a holistic view of your financial life and understanding the goals for each.  Our belief is simple: Those who follow a well thought out investment plan have a higher probably of success than those who make irrational and emotional financial decisions based on short term events.

Our commitment to your long term success as our client is based on clear and concise financial planning. Planning provides the comprehensive framework for us to stage, execute and monitor your financial interests.

We have access to some of the most robust investment platforms, which allow us to serve you more efficiently, work as your partner and to create a plan and strategy that works best for you.

We hope to bring a little light to the subject of investing and reduce the pain and uncertainty that people feel when their confronted with investment decisions.

What is certain is that long term investment returns are the only ones that matter but to the contrary long term is not reality. We aim to strike a balance between risk and return that satisfies, not only your long term investment plan but your emotional bandwidth as well.


Our focus has long been on educating our clients about how to achieve long term financial success.  We will be the first to tell you that we can’t teach you to become world class investors, but what we can do is help you become a more INFORMED investor, we can you UNDERSTAND your choices better and we can help you ASK better questions.  We can also help you approach decisions feeling more CONFIDENT and SECURE, less anxious and less fearful.

OUR CLIENT FOCUS IS REPRESENTED IN Four MAIN AREAS:

  • The fundamentals of investing: Help you understand the basics and try to bring clarity to the most confusing areas of investing.

  • The Investment Landscape: We will talk about financial markets and the players in the market itself.  This will give you context and help you better understand the environment in which you’re making decisions.

  • The Behavioral Aspect of Investing: How you can become a better, more successful investor, simply by understanding and controlling your own behavior.

  • Risk Management: How can we strike a balance of short term market movement fears with long term needs and objectives so your own behavior allows you to remain committed to your long term plan.

We begin and end every conversation by asking,

"WHAT IS BEST FOR OUR CLIENTS?"

Why Us?


Why should you work with us?

The financial challenges we address are straight forward and most people just don’t’ understand the fundamentals of investing.  This need creates a lot of anxiety and confusion and uncertainty. Our role as your adviser allows us to help you sift through the fog of complex investment offerings and provide to you clear sight into what works and what doesn't. We help you understand the basics and try to bring clarity to the most confusing areas of investing.

Our firm generates a great deal of value by understanding that we are all human. A large part of our job is to act as a barrier between investors and their own worst instincts. We help provide a buffer between rational and emotional reactions to events in your financial life. inances finance, proven time and time again. We are certain that over our clients’ lifetimes there will be life events that will create significant emotional hurdles that directly effect your finances. Humans, by nature are not wired to make rational investment decisions when confronted with challenges with their investments and or when volatility strikes as it often does. 

Wherever you are in your life you should be thinking about hiring a Wealth Management firm that can be a comprehensive resource to you, to assist you in best utilizing your means to accomplish the various ends that you have in mind for your lifetime.

  • When we founded our firm, we tried to rethink every aspect of our business to build a firm that starts by asking “what would be best for our clients?” Our structure truly puts client interests first.  

  • We focus on you and your objectives and it starts with a plan.  Our process allows us to make modest adjustments as the investment environment changes.  We don’t day trade, or speculate with your money.  We focus on the long-term and don’t get caught up in emotion or the headlines of the day.

  • We focus on keeping expenses and transaction costs low, the less things cost, the more you keep.
  • Many of the firms in our industry manufacture their own proprietary investments, which generate additional fees to those who buy and sell them.  We never use proprietary products…ever!

  • We balance investment theory and academic research with judgment and experience.

  • We deploy a combination of carefully selected active managers and passive investments so our clients can benefit from both.

A STRONG FOUNDATION IS THE KEY TO A WELL CONSTRUCTED PORTFOLIO

Investments

Investing doesn't have to be overstated, complex or expensive. We love to make the complex world of investments, simple to understand for you. Our investment process allows us to include a broad range of investments available to you from across the globe and our independence ensures you're getting unbiased advice from which to select those that. We thoughtfully consider your situation, attitude towards risk and investment objective(s) in order to construct your custom portfolio. We pay close attention to underlying expenses to keep costs at a minimum and our rules based investment process enables us to take emotion out of the equation when managing your portfolio during both good and bad times in the markets.


WE BUILT OUR INVESTMENT FIRM WITH THE GOAL OF KEEPING YOUR FEES LOW

FAQs

WILL MY RETIREMENT PLAN GET ME THROUGH RETIREMENT? 

You need to be confident that you’re on the right track. Our results in advanced planning process will clear the path for you to be confident in your plan or identify if there needs to be changes. We understand that the ever-changing market environment is cause to regularly examine your financial situation. This begins with analyzing your current investment strategy, so will perform a comprehensive analysis to uncover inefficiencies that may exist in your current plan.

 

WHO MANAGES MY MONEY?

We believe that solely relying on your advisor to manage your day to day investments is inefficient and potentially more expensive due to lost opportunities. We continually seek out the brightest and most experienced money managers in the world to implement your custom portfolio. This allows our firm to leverage the experience, resources and cost savings of these much larger firms to benefit your investment experience. It is our job to consistently review these selected managers performance and risk controls from a quantitative and qualitative standpoint to ensure they are doing what is best you. We help you understand the basics, while leaving the heavy lifting to high caliber professionals.

 

WHAT ARE YOUR FEES?

Our fees are clear and transparent, as our namesake “Clearsight” suggests, you will have full transparency into all of the fees you pay.  On average, our fees are quite lower than most of our competitors.  We believe that million dollar advertising campaigns and walnut paneled offices don’t serve you well.  Quite simply, we are true believers providing the best possible investment experience at the lowest possible cost fits in with our core values.  Our transparency allows us to establish trust with our clients and leads to a more beneficial and better working relationship.  Fees are typically based upon the average of your household assets and can vary.  For more information, please contact one of our advisors to discuss how to reduce your fees or analyze what you are paying now.

 

HOW MUCH RISK SHOULD I BE TAKING?

Each one of our clients goes through a rigorous risk assessment in the comfort of their home or office.  We’ve developed a partnership with the leading risk assessment profile provider, which allows us to compare where you are today, where you need to be tomorrow and how your current investment strategy stacks up in terms of risk.  We do this for you, so you are a more informed investor, who you understand their investment choices better.

 

WHAT ARE THE MOST IMPORTANT DETERMINANT OF MY PORTFOLIOS PERFORMANCE?

Investment performance of a given portfolio relies on a variety of differing factors.  Through academic research, we have identified a few key areas that allow for the highest probability of reaching your long term performance goals.  Asset allocation is the single largest determinant of long term performance.  Having a well allocated portfolio across multiple asset classes helps to reduce, risk and volatility that may cause an investor to behave in a manner that is detrimental to their long term performance.  We also believe fees also a contribute to determining a positive or negative investment outcome.  We monitor both closely.

 

WHAT IS THE BEST WAY TO TRANSITION MY WEALTH TO FUTURE GENERATIONS?

In all phases of life, proper planning is the foundation for a successful outcome.  Having an estate or legacy plan in place assures that not only will your money transition, but that your “values about money” will continue to be aligned for future generations to come.  Many of our clients desire to establish charitable endeavors.  However, the last thing they want is to put their current or future situation at risk.  This is why we take you through our Clearsight planning process that looks at your current needs, future needs and resources as we help you determine the right amount and right time to make gifts.

 

WHERE IS MY MONEY HELD?

For your protection, we hold assets in custody at a variety of 3rd party institutions that hold and report on the value of your assets.  Some of these 3rd parties range from Pershing, SEI Private Trust Company, TD Institutional and Charles Schwab.  We never hold client asset directly and only have limited authority to direct how we implement your investment plan or strategies.

 

DO I REALLY NEED A FINANCIAL PLAN? 

We are true believers in long term financial planning.  Just like planning for a vacation, you need to know where you you’re going before you get there.  Our planning is generally inclusive of our fee structure and we encourage all of our clients to take advantage of our services.  When thinking of your financial plan, all the components, i.e. investments, taxes, insurance, estate planning, healthcare, education, debt management, help complete the puzzle.  Without putting it all together it’s hard to know where you’re going and even more difficult to predict where you’ll end up.

 

IS THERE SOMETHING ELSE I SHOULD BE ASKING?

Don’t’ worry, we’ve got it covered! Long-term capital preservation and growth requires strategy, diversification and discipline. To inform our work, we answer all your questions, plus a few you may not have considered. Things like:

• What should I invest in?

• What should I invest in besides stocks and bonds?

• How should I think about my house? Is that my real estate allocation?

• What the heck are alternative investments? Are they right for me?

• Why should I care about Emerging Markets or Brazil?

LETS GET STARTED

Connect With Us

Clearsight Wealth is located in Irvine, California and services clients across the U.S. either in person or virtually. If you are interested in taking the journey with us, leave your out your information below and we'll  for more information.