Three Ways to Invest


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Conventional Management

Conventional financial advisors and mutual fund managers believe their knowledge is greater than the markets. Even though they are professionals, most studies show they perform no better than amateurs and are costly at that.


Proponents of this artful approach to investing often call their approach being "active" or "tactical."


We call it Gambling.



Market-based Investing

There is a third way to invest that takes the art of buying securities, with the science of investing in markets.


Our strategy seeks to add value through implementation, the monitoring of markets, and utilizing certain aspects of markets that we can observe outperformance.


This approach is based on the collective wisdom of top academics in personal and behavioral finance, including several Nobel Prize winners.



Index Investing

Index investing utilizes some science in .



Clear Financial Advisors (CFA) is a Fee-Only Detroit and Ann Arbor fiduciary financial and investment advisor with meeting locations in Ann Arbor / Whitmore Lake, Livonia, Novi, Bloomfield Hills, Troy, Royal Oak, and Franklin / Southfield / Bingham Farms, and serving clients nationally online.


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