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                                    Fee Based

                                    Life Happens…Plan* For It

                                    At Crystal Clear Financial Group it’s our belief that in order to achieve your financial and personal goals you need to develop a plan which will serve as a roadmap for your success.  Whether you are planning for yourself, your family, or a business, there are countless paths to consider, and some work better than others. We’ll help you decide.

                                    We recommend you start with planning*. 

                                    At Crystal Clear Financial Group we go out of our way to make sure that you fully understand how the fee-based financial planning process* works. We believe that engaging in this process allows you to think and act more powerfully. We set realistic goals and targets to focus on, and we monitor progress throughout the years. A comprehensive written planning document will be drafted and delivered upon completion.

                                    6 Step Process Graphic

                                    Understanding the Financial Planning Process*

                                    Six Steps for Financial Success

                                    To develop a solid financial plan*, it’s important to cover all your bases, including examining your current situation, setting financial goals and measuring your progress. From start to finish, our advisors can take you through the financial planning process steps to help you achieve your financial goals.

                                    Here are the six financial planning steps:

                                    1. Establishing and defining the client professional relationship

                                    Your advisor will explain the financial planning services that will be provided and define each of the steps involved. Along with fee compensation, you’ll discuss how the professional relationship will progress. Throughout the process, you and your advisor will develop customized financial strategies that help turn your goals into reality.

                                    2. Gathering client data, including goals

                                    You and your advisor will talk about your current financial situation and gather any necessary documentation. Together, we will define your personal and financial goals, including time frames, income sources and other factors. You will also discuss your comfort level when it comes to taking financial risks. Keep in mind that the plan is only as good as the information that is received, so it will be important to provide as much information as possible.

                                    3. Analyzing and evaluating your financial status

                                    Your advisor will then consider all aspects of your situation to determine what you need to do to meet your goals. Depending on the level of services that are needed in your plan which could include analyzing your assets, liabilities and cash flow, current protection insurance coverage, investments or tax strategies, asset allocation, retirement income strategies, educational planning, and estate planning.

                                    4. Developing solutions

                                    Next, your financial advisor will discuss various options and recommendations that will be part of your custom financial plan*.  At this stage, your advisor will listen to any additional concerns or questions you may have before creating your financial plan*.

                                    5. Present Personalized Financial Plan* and Implementation Strategies

                                    Your Financial advisor will present you with your customized financial plan to set you on a path to attaining your financial goals and the future you envision.

                                    6. Monitoring recommendations

                                    As you work towards your goals, you will need to decide who will monitor your progress to make sure you are staying on track. This will require a conversation with your advisor to determine the timing and your needs.  This could include a ‘check-up’ as you encounter life changes.

                                    The fee structure for your plan* is dependent upon the amount of time the advisor* will need to spend and upon the complexity of your situation.

                                    We primarily offer a flat fee for service arrangement.  You will then work with your advisor to determine the scope of the ongoing work involved.  This could result in an annually renewing fee arrangement, but it is not a requirement of the flat fee for service arrangement.  Each client situation is different and we try to take a common sense approach to the ongoing relationship and corresponding fee structure.

                                    On some occasions, we find that an hourly rate service is warranted for specialized planning services*.

                                    Our advisors* provide a no obligation initial consultation to determine if there is a fit for our services. 

                                    CONTACT US TO LEARN MORE
                                    Disclosure

                                    Kyle Jones is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, IN, MI, NY, PA, and SC. No insurance business may be conducted outside the states referenced.

                                    Kyle Jones is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 518-424-6052. In this regard, this communication is strictly intended for individuals residing in the states of DC, FL, IN, MN, NY, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Kyle Jones is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of DC, FL, IN, MN, NY, and TX. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Joseph Caiello is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CO, FL, HI, IN, MA, MD, ME, NC, NH, NJ, NY, OH, PA, SC, TN, TX, VA, and WA. No insurance business may be conducted outside the states referenced.

                                    Joseph Caiello is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 315-449-8647. In this regard, this communication is strictly intended for individuals residing in the states of AR, AZ, CA, CO, CT, DE, FL, GA, HI, IN, MA, MD, ME, NC, NH, NJ, NY, OH, PA, SC, TX, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Joseph Caiello is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AR, AZ, CA, CO, CT, DE, FL, GA, HI, IN, MA, MD, ME, NC, NH, NJ, NY, OH, PA, SC, TX, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

                                    The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                                    Andrew Schaffel is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CO, CT, FL, GA, HI, IL, MA, MD, NC, NJ, NY, OH, OK, PA, SC, TN, TX, VA, and WA. No insurance business may be conducted outside the states referenced.

                                    Andrew Schaffel is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 315-449-8600. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CO, DE, FL, HI, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, SC, TX, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Andrew Schaffel is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, CA, CO, DE, FL, HI, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, SC, TX, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Michael Kasch is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, NC, NJ, NY, PA, SC, TN, and TX. No insurance business may be conducted outside the states referenced.

                                    Michael Kasch is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 315-439-7793. In this regard, this communication is strictly intended for individuals residing in the states of FL, NC, NY, OH, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Michael Kasch is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of FL, NC, NY, and OH. As such, these services are strictly intended for individuals residing in the states referenced.

                                    David Marshall is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CO, FL, MA, NJ, NY, OH, PA, and TN. No insurance business may be conducted outside the states referenced.

                                    David Marshall is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 315-445-4993. In this regard, this communication is strictly intended for individuals residing in the states of NJ, NY, and OH. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Craig Nelson is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CT, FL, GA, MA, NC, NJ, NY, and PA. No insurance business may be conducted outside the states referenced.

                                    Craig Nelson is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 9273 Kellogg Rd, New Hartford, NY, 13413, 315-790-5599. In this regard, this communication is strictly intended for individuals residing in the states of AZ, FL, MA, NC, NJ, NY, PA, VA, VT, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Craig Nelson is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, FL, MA, NC, NJ, NY, PA, VA, VT, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Heath Houston is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AL, AR (AR Insurance License #9652437), CA (CA Insurance License #0K25071), ME, MO, MS, NC, TN, and TX. No insurance business may be conducted outside the states referenced.

                                    As a New York Life Agent, Heath Houston is licensed and authorized to offer insurance in California and Arkansas, but Crystal Clear Financial Group may not be. For additional information on licensure status, please click here for California and/or click here for Arkansas.

                                    Heath Houston is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2084 Old Taylor Road Suite 106 University Office Park, Oxford, MS, 38655. In this regard, this communication is strictly intended for individuals residing in the states of AR, CA, GA, MS, NC, TN, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Heath Houston is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AR, CA, GA, MS, NC, TN, and TX. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Michael Caputo is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of GA, MA, MS, NY, PA, TN, TX, VA, and WA. No insurance business may be conducted outside the states referenced.

                                    Michael Caputo is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214. In this regard, this communication is strictly intended for individuals residing in the states of CT, ME, MI, MS, NC, NJ, NY, OH, PA, TX, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Anna Mpinga is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CT, FL, MN, MO, NY, TX, VA, and WA. No insurance business may be conducted outside the states referenced.

                                    Anna Mpinga is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 777 Main St Ste 3800, Ft Worth, TX, 76102, 315-373-8479. In this regard, this communication is strictly intended for individuals residing in the states of MN, MO, NY, TX, VA, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Kevin Wong is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of HI, and NV. No insurance business may be conducted outside the states referenced.

                                    Howard Brown II is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, GA, IN, NC, NJ, NV, NY, OH, RI, and TN. No insurance business may be conducted outside the states referenced.

                                    Howard Brown II is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 3000 Bayport Dr Ste 1100, Tampa, FL, 33607. In this regard, this communication is strictly intended for individuals residing in the states of FL, GA, NC, NY, OH, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Howard Brown II is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of FL, GA, NC, NY, OH, and TX. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Rocco Leone is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of NC, NJ, NY, SC, and VA. No insurance business may be conducted outside the states referenced.

                                    Rocco Leone is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 209 High Point Dr Ste 310, Victor, NY, 14564, 585-248-6795. In this regard, this communication is strictly intended for individuals residing in the states of NC, and NY. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Tom Nelson is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, FL, NY, and TX. No insurance business may be conducted outside the states referenced.

                                    Tom Nelson is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 9273 Kellogg Rd, New Hartford, NY, 13413, 315-790-5599. In this regard, this communication is strictly intended for individuals residing in the states of NJ, and NY. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Braden Draggoo is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AK, AL, AZ, CA (CA Insurance License #0H19257), CO, FL, HI, ID, KY, MA, MD, MI, MN, MT, NC, ND, NE, NV, NY, OR, PA, TN, TX, VA, WA, and WY. No insurance business may be conducted outside the states referenced.

                                    As a New York Life Agent, Braden Draggoo is licensed and authorized to offer insurance in California, but Crystal Clear Financial Group may not be. For additional information on California licensure status, please click here.

                                    Braden Draggoo is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 1301 Walla Walla Ave Ste A, Wenatchee, WA, 98801, 509-888-4345. In this regard, this communication is strictly intended for individuals residing in the states of AK, AL, AZ, CA, CO, DC, FL, HI, ID, IL, MA, MD, MI, MN, MS, MT, NC, NE, NH, NJ, NV, NY, OR, PA, SC, SD, TN, TX, VA, WA, WI, and WY. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Braden Draggoo is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AK, AL, AZ, CA, CO, DC, FL, HI, ID, IL, MA, MD, MI, MN, MS, MT, NC, NE, NH, NJ, NV, NY, OR, PA, SC, SD, TN, TX, VA, WA, WI, and WY. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Braden Draggoo is a Member Agent of The Nautilus Group®, a service of New York Life Insurance Company.

                                    The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                                    Kyle Strife is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, FL, HI, NC, NJ, NY, PA, TN, TX, UT, VA, and VT. No insurance business may be conducted outside the states referenced.

                                    Kyle Strife is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 45 Prospect St, Honolulu, HI, 96813, 808-829-0515. In this regard, this communication is strictly intended for individuals residing in the states of AZ, FL, HI, NC, NJ, NY, PA, TN, TX, UT, VA, and VT. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Kyle Strife is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, FL, HI, NC, NJ, NY, PA, TN, TX, UT, VA, and VT. As such, these services are strictly intended for individuals residing in the states referenced.

                                    The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                                    Crystal Clear Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.​

                                    Neither Crystal Clear Financial Group nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​

                                    For more information about NYLIFE Securities LLC and its investment professionals.

                                    Click here
                                    Crystal Clear Financial Group, LLC logo
                                    • ABOUT
                                      • Our Team
                                        • Our Process
                                        • OUR SERVICES
                                          • Fee Based
                                            • Retirement Planning
                                              • Wealth Management
                                                • Employee Benefits
                                                  • Brokerage Services
                                                    • Insurance Solutions
                                                      • Estate Planning
                                                        • Donor Advised Fund Accounts
                                                        • RESOURCES
                                                          • Calculators
                                                          • SPECIALIZING/EXPERTISE
                                                            • Physicians
                                                              • Business/Franchise
                                                                • Engineers/Technical
                                                                  • Pre-Retirees/Retirees
                                                                  • PHILANTHROPY
                                                                    • CONTACT

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