An Integrated Approach ...

At Clune & Associates, our clients have come to rely on us for more than just investment management services. We look at your overall financial picture and provide coordinated strategies on all aspects of your life that impact your financial well being. Depending on your unique needs, your comprehensive wealth plan can offer strategies in a wide range of areas including:

Investment and Portfolio Management
Our approach to investment and portfolio management is based not on speculation, but on the science of capital markets. We construct portfolios by applying principles of financial science founded on over 80 years of financial market data, Nobel-Prize winning economic research and behavioral finance. These principles include:

Financial and Retirement Planning
Financial Planning is an ongoing process which organizes and integrates the major elements of your financial life into a comprehensive game plan for the future. We create your financial plan so that you can enjoy financial security and peace of mind in your retirement years. Specifically, our planning process helps clients answer the following questions:

Risk Management / Insurance Planning
Life is full of risks. Planning for them is the only way to obtain the peace of mind that comes from knowing that you and your family are protected. We work with a network of third-party insurance providers to ensure that you have the most comprehensive and efficient insurance coverage available, customized to your specific needs. As an independent firm we ensure that our clients are getting the best unbiased solutions for their needs.

Insurance planning minimizes your exposure to risks that can threaten both your financial success and lifestyle objectives, thus protecting your well-being and peace of mind that you worked hard to achieve. Critical illness, disability, death and property damage are unexpected obstacles that can dramatically change your life. We will define a strategy to shield you and your family from the things that concern you the most. Our network of professionals are well-versed in sophisticated insurance programs and can advise on the best plan for you while we walk you through step by step.

Estate Planning
While individual needs may differ everyone should develop an estate plan to ensure that assets will be distributed to beneficiaries in an easy and precise manner. We will help you think about the issues necessary to create an estate plan that will meet your needs while avoiding common problems that can arise in the passing of assets. We will work with you and a qualified estate planning attorney to tailor a comprehensive estate plan that will help:

Tax Planning
It's a fact of life, the more you have, the more you have to pay. Working with your tax professionals and looking at your complete wealth picture, we incorporate a tax planning process that takes into account your overall financial picture. As part of our portfolio management process, we also seek to maximize the after-tax rate of return within your portfolio. It's important to remember, it's not what you make that counts, it's what you keep.