Overview
A. Description of the Advisory Firm
Clearview Financial Planning, Inc. (hereinafter “CFP”) is a Corporation organized in the
State of New York. The firm was formed in February 2018, and the principal owner is
David Carleton Dickerson.
B. Types of Advisory Services
Portfolio Management Services
CFP offers ongoing portfolio management services based on the individual goals,
objectives, time horizon, and risk tolerance of each client. CFP creates an Investment
Policy Statement for each client, which outlines the client’s current situation (income, tax
levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a
portfolio that matches each client's specific situation. Portfolio management services
include, but are not limited to, the following:
• Investment strategy • Personal investment policy
• Asset allocation • Asset selection
• Risk tolerance • Regular portfolio monitoring
CFP evaluates the current investments of each client with respect to their risk tolerance
levels and time horizon. CFP may request discretionary authority from clients in order to
select securities and execute transactions without permission from the client prior to each
transaction. Risk tolerance levels are documented in the Investment Policy Statement,
which is developed for and provided to each client.
CFP seeks to provide that investment decisions are made in accordance with the fiduciary
duties owed to its accounts and without consideration of CFP’s economic, investment or
other financial interests. To meet its fiduciary obligations, CFP attempts to avoid, among
other things, investment or trading practices that systematically advantage or
disadvantage certain client portfolios, and accordingly, CFP’s policy is to seek fair and
equitable allocation of investment opportunities/transactions among its clients to avoid
favoring one client over another over time. It is CFP’s policy to allocate investment
opportunities and transactions it identifies as being appropriate and prudent, including
initial public
offerings ("IPOs") and other investment opportunities that might have a
limited supply, among its clients on a fair and equitable basis over time.
Financial Planning
Financial plans and financial planning may include, but are not limited to: investment
planning; life insurance; tax concerns; retirement planning; college planning; and
debt/credit planning.
Services Limited to Specific Types of Investments
CFP generally limits its investment advice to mutual funds, fixed income securities, real
estate funds (including REITs), equities, ETFs (including ETFs in the gold and precious
metal sectors), treasury inflation protected/inflation linked bonds, commodities and non-
U.S. securities, although CFP primarily recommends equities/equity ETFs. CFP may use
other securities as well to help diversify a portfolio when applicable.
C. Client-Tailored Services and Client-Imposed Restrictions
CFP will tailor a program for each individual client. This will include an interview session
to get to know the client’s specific needs and requirements, as well as a plan that will be
executed by CFP on behalf of the client. CFP may use model allocations together with a
specific set of recommendations for each client based on their personal restrictions, needs,
and targets. Clients may impose restrictions on investing in certain securities or types of
securities in accordance with their values or beliefs. However, if the restrictions prevent
CFP from properly servicing the client account, or if the restrictions would require CFP to
deviate from its standard suite of services, CFP reserves the right to end the relationship.
D. Wrap Fee Programs
A wrap fee program is an investment program where the investor pays one stated fee that
includes management fees, transaction costs, fund expenses, and other administrative
fees. CFP does not participate in any wrap fee programs.
E. Assets Under Management
CFP has the following assets under management:
Discretionary Amounts: Non-discretionary Amounts: Date Calculated:
$ 28,489,899 $ 290,844 December 2023