Clear Mountain Investments

ASSET ALLOCATION

Asset allocation involves finding the blend of stocks, bonds and cash most likely to maximize returns at a given level of risk.  Successful asset allocation involves looking at the market as a whole and evaluating a wide variety of indicators to determine where the investors are going and which assets are likely to perform best.  Investor psychology, monetary conditions and market valuation all combine to give us a complete outlook on the market. Using these tools, we can help you find ways to compliment your existing portfolio, make changes as needed or outline plans for future investing.

Asset allocation/investment timing cannot eliminate the risk of fluctuating prices and uncertain returns, and cannot guarantee a profit or protect against loss.

ESTATE PLANNING

We can assist in reviewing or helping you develop an estate plan to simplify the transfer of your estate to family members.  Proper estate planning can use lifetime gifts and trusts to reduce or possibly eliminate your estate-tax liability.  We will work with you and your other professional advisors, including your CPA and attorney, to develop the strategy that is most appropriate for your situation.  By taking steps to review your will and estate documents with your professional advisors, you could protect your heirs from substantial delays, fees and taxes.

Working with our trust executives, we can assist you with a broad range of cost-effective trust services, including living trusts, testamentary trusts, life insurance trusts and charitable trusts.

UVEST does not render legal, accounting or tax advice.  Please consult your tax or legal advisors before taking any action that may have tax consequences.

FINANCIAL PLANNING

We believe that before you make an investment decision, it’s important to understand where you want to be in meeting you investment goals.  Using a five step process, we will design a custom financial plan for you.  In particular, we will:

1. Conduct a personal interview with you.

2. Prepare a comprehensive analysis of your entire current financial situation.

3. Review with you the details of your custom financial plan.

4. Execute the approved investment recommendations.

5. Monitor your Portfolio, providing pertinent information on any necessary changes.

RETIREMENT PLANNING FOR BUSINESSES

We serve the needs of individuals, business owners and corporations in establishing and maintaining effective retirement plans for themselves and their employees.  We offer a comprehensive range of services, including:

1. Evaluating the most appropriate retirement plan for your needs – Individual Retirement Accounts, pension and profit-sharing plans, and 401(k) and 403(b) plans.

2. Helping you identify an appropriate plan, administrator, and investment choices.

3. Working with your benefits staff to comply with all ERISA fiduciary responsibility requirements.

4. Monitoring your plan to make sure the components are performing optimally.

5. Conducting periodic seminars for plan participants to help them make sound decisions.  This helps to satisfy 404(c) requirements.

6. Updating plan documents to help meet IRS requirements.

MEET KIM

Kim has 21 years of experience in the financial services industry.  She studied business at West Virginia University.  She has a true passion for excellence in providing financial planning and investment services for her clients.  She has developed a comprehensive approach to financial services that emphasizes unbiased advice, technical competence, client confidentiality and unparalleled client service.  She truly values the long-term relationships she develops with clients and the trust that comes from the basic principle of doing the right thing…….all of the time.  E-mail Kim at kim.staddon@uvestmail.com, or call her at (304) 292-7372.

Securities are offered by and Financial Consultants are registered with UVEST Financial Services, Member NASD, SIPC.  UVEST and Clear Mountain Investments are independent entities.