We are a financial services firm based out of Petoskey, Michigan that truly believes in educating retirees and pre-retirees about the importance of proper retirement financial planning. It's never too late to improve your situation or your financial goals. CLC Investment Advisor's mission is to provide you with true knowledge so you can make better decisions regarding your finances.
You've worked hard for your money, now it's time to enjoy life, and let your money work for you! Compound interest is the 8th Wonder of the World. He who understands it. Are you ready for safe and guaranteed returns on your money? If so, we'll show you which income sources are considered "safe" for your money that only offer guarantees with no risk of losing principal.
You've worked hard for your money, now it's time to enjoy life, and let your money work for you! Compound interest is the 8th Wonder of the World. He who understands it. Are you ready for safe and guaranteed returns on your money? If so, we'll show you which income sources are considered "safe" for your money that only offer guarantees with no risk of losing principal.
Services
David Cadarette is the Founder and CEO of CLC Investment Advisors and has over 14 years experience in the insurance & financial services industry. David specializes in retirement planning and focuses on client's overall well being by designing portfolios that are specific to the individual and their goals and dreams.
Nestled in the beautiful hardwoods of Northern Michigan stands an Advisory Firm that puts our clients first. We are a true independent firm with a system designed to craft low risk low volatility portfolio based on the individual's retirement plans. Our plans are designed to be opportunistic in good times and defensive in bad times to help keep clients out of h arms way.
CLC Investment Advisor's approach is to seek to achieve superior risk-adjusted returns over a full market cycle (4-5 years) compared to the traditional 60% equities/40% bonds asset allocation. We do this by implementing investment opportunities with several tactical managers within our two risk buckets.
Despite all of our advances in technology, the world still invests the vast majority of its financial assets using a combination of gut instincts, hunches, emotionally-driven decisions and "what we learned in college." As a result, when markets pull back, investors typically pull the plug-locking in horrible losses, sitting out the recovery and waiting until the market "feels safe" again to reinvest at the top, and repeat the cycle.
Here's a fact that may surprise (and possibly scare) you: Social Security may replace up to 57% of lower income workers' income; however, it may replace only 27% for higher income workers. Everyone's financial situation is unique and there is NOT a one-size fits all retirement plan. Ask us questions and get real answers.
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