ClearLogic Blog

ClearLogic Financial’s Investment Principles

ClearLogic Financial’s investment approach is grounded in decades of academic research.  ClearLogic follows a set of cautious investment principles.  These principles comprise five things to pursue and five things to avoid.  ClearLogic’s discipline focuses on consistent long-term growth, not on short term gains.


Part B Or Not Part B? The Medicare Question For Federal Retirees

When it comes to health insurance in retirement, federal retirees are in a very unique position. You can keep your Federal Employee Health Benefit (FEHB) plan in retirement and enroll in Medicare Part B; but as you will see, the additional Part B benefits may not be worth the added monthly premiums.

For federal retirees with substantial pensions and Social Security, Medicare Part B premiums can be significant, because they are based on your income. For example, the premiums for a married couple with an adjusted gross income over $170,000/year are $187.50 per month per person ($4,500/year per couple).

In many cases, federal retirees may be economically better off by continuing their FEHB plan, accepting Medicare Part A, and declining Medicare Part B. This paper provides examples that illustrate why this is the case even when the retiree incurs periodic major medical costs over the retirement years. The examples consider a number of major medical episodes that people often worry about in retirement and compare the out-of-pocket expenses with and without Medicare Part B.


278 Filing Made Easy (pdf)

For most, filing a 278 financial disclosure form is an annual time-consuming and onerous task for federal employees and military personnel often in positions of significant responsibility or highly compensated ones.


What Is A Fee-Only Advisor

Q. What Is A Fee-Only Planner?

A. The National Association of Personal Financial Advisors (NAPFA) defines a Fee-Only planner as one who, in all circumstances, is compensated solely by the client, with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. A Fee Only Advisor may not receive commissions, rebates, finder's fees, bonuses or any form of compensation from others as a result of a client's implementation of the individual's planning recommendations.

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The Complexities of Tax-Planning in Retirement

If you are like most people when you hear the phrase "tax planning," you immediately think it is for high net worth people with complicated finances and not important for you. However, tax planning is an important part of retirement planning, and retirement can create both tax complexity and opportunity.

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10 Brilliant Ideas for Retirement Planning

1. Consider delaying social security – while not always the best answer (we can help determine when it's not), delaying social security is provides a low-cost, guaranteed return that can't be matched by annuity products.

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5 Myths of Retirement Planning

There are several common myths that often prevent retirees from maximizing their retirement savings and income ultimately negatively influencing their peace of mind. We'll jump right into these important insights.

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Cost Control - An Investor’s Greatest Investment

In the mid-1800s, in a collection of essays entitled “Conduct of Life,” Ralph Waldo Emerson observed, “Money often costs too much.” More than 150 years later, his words remain well worth heeding, as we focus on one of the most effective ways to enhance your wealth: aggressively eliminating unnecessary investment costs.

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4 Rules to Making Sense of Fixed Income

Anyone who is keeping even a casual eye on financial headlines is aware that fixed income returns are a bit topsy-turvy these days. With bond prices reacting negatively to uncertain economic news, investments that are supposed to be our reliable safety net and income stream during troubled times are experiencing uncertain times themselves. Many investors are abandoning their existing plans (or had none to begin with), and are selling off their bond funds. To cite a June 28 column in The New York Times, “Taking a Cue From Bernanke a Little Too Far,” the month’s outflows neared $77 billion, handily exceeding the last high-water mark of nearly $42 billion bond-fund outflows in October 2008.

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