Clear Strategy
Clear Strategy is a privately held independent financial advisory and insurance brokerage firm headquartered in Brighton, Michigan, with 10 offices across Michigan and Florida and a team of 55+. It serves individuals, families, Medicare beneficiaries, and small businesses with bundled investments, insurance, tax, estate planning, and mortgage referral services.
- Company typePrivate
- Founded2012
- HeadquartersBrighton, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Clear Strategy does
Clear Strategy is a privately held, independent financial advisory and insurance brokerage firm headquartered in Brighton, Michigan, operating a network of 10 physical offices across Michigan (9 locations) and Florida (1 location). Founded in 2012, the firm employs approximately 55 team members spanning financial advisors, insurance agents, tax professionals, client service associates, and administrative staff. It serves individuals, families, Medicare beneficiaries, and small business owners with a bundled offering that includes investments and financial planning, health and life insurance, Medicare prescription drug coverage guidance, tax planning and preparation, estate planning, mortgage funding referrals, and home and auto insurance.
The company's service model is built on independent representation across multiple carriers and product providers, with securities and investment advisory services delivered through a contractual relationship with Osaic Wealth, Inc. (a FINRA/SIPC member broker-dealer). Underlying technology consists of standard industry platforms — eMONEY for client portfolio management, SmartVault for secure document management, and conventional CRM — with no proprietary technology assets. Distribution relies on face-to-face and phone-based advisor interactions at physical offices, complemented by community seminars on Medicare and estate planning as a top-of-funnel lead generation channel.
Clear Strategy generates revenue across five streams: financial advisory fees, insurance commissions across health, life, long-term care, and property-casualty lines, tax preparation fees, flat-rate estate planning fees (offered 20%-30% below market average through partner Simplify Estate Planning), and referral fees from mortgage funding (through partner Approved Mortgages). Go-to-market is sales-led and relationship-driven, targeting retail consumers rather than enterprise clients, with geographic expansion limited to two states and strategic partnerships (notably the December 2025 alliance with InterVISTAS Consulting) hinting at modest up-market and cross-vertical ambitions.
Clear Strategy firmographics
Firmographics- Name
- Clear Strategy
- Legal name
- Clear Strategy
- Website
- https://myclearstrategy.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Clear Strategy is a privately held independent financial advisory and insurance brokerage firm headquartered in Brighton, Michigan, with 10 offices across Michigan and Florida and a team of 55+. It serves individuals, families, Medicare beneficiaries, and small businesses with bundled investments, insurance, tax, estate planning, and mortgage referral services.
- Ownership category
- akta.pro rank
Clear Strategy industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Financial Planning–Led RIAs (FSAAACAB)
Keywords
Where Clear Strategy is headquartered
LocationHeadquarters
- HQ city
- Brighton
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
Clear Strategy business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Financial Advisory Services: Revenue generated from financial planning, investment advisory, and retirement planning services. Services offered through Osaic Wealth, Inc. (FINRA/SIPC member) for securities and investment advisory.
- Insurance Sales: Commissions earned from selling health insurance (Medicare, ACA, supplemental), life insurance (term, whole, universal), long-term care, and property-casualty insurance products.
- Tax Preparation Services: Fees for tax planning and preparation services for individuals, corporations, partnerships, sole proprietorships, trusts/estate, and gift tax.
- Estate Planning Services: Flat-rate estate planning services including living trusts, wills, powers of attorney, and deeds, provided through strategic partner Simplify Estate Planning.
- Mortgage Services: Referral fees from mortgage funding services provided through strategic partner Approved Mortgages.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | One time/ perpetual license | Flat-rate estate planning plans priced 20%-30% below market average |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels4 records
Clear Strategy product offering
Product offeringCore offering
Clear Strategy is an independent financial advisory and insurance brokerage firm providing financial planning, retirement planning, investment advisory, health and life insurance, Medicare coverage guidance, tax preparation, estate planning, mortgage funding referrals, and home and auto insurance services. The firm operates a multi-location network across Michigan and Florida where independent representatives deliver coordinated, personalized financial solutions to individuals, families, and small business owners. Securities and investment advisory services are offered through Osaic Wealth, Inc. (a FINRA/SIPC member broker-dealer).
Product overview
Clear Strategy is a financial advisory and insurance brokerage firm offering a comprehensive suite of financial services through a network of 10 locations across Michigan and Florida. The company operates as a unified financial services platform providing investments and financial planning, health and life insurance, Medicare prescription drug coverage guidance, tax planning and preparation, estate planning, mortgage funding, and home and auto insurance. The core offering centers on coordinated financial planning that connects retirement planning, legacy planning, income planning, tax planning, and estate planning into a comprehensive approach. The company functions as a network of independent financial advisors and insurance agents led by CEO Eric Schroeder and COO Elizabeth O'Neil, with securities and investment advisory services offered through Osaic Wealth, Inc.
Differentiator
Problem solved
Functional benefit
Products and services
- Investments & Financial Planning Comprehensive financial planning, investment advisory, retirement planning, 401(k) planning, income planning, legacy planning, and wealth management services for individuals and families across all life stages, offered through Osaic Wealth, Inc.
- Health & Life Insurance Independent brokerage for health insurance (Medicare, ACA, supplemental), life insurance (term, whole, universal), and long-term care products offered to individuals, families, and Medicare beneficiaries.
- Medicare Drug Coverage Guide Guidance on Medicare Part D plans, Medicare Advantage, supplemental insurance, and prescription drug coverage for seniors and Medicare beneficiaries.
- Tax Planning & Preparation Tax planning and preparation for individuals, corporations, partnerships, sole proprietorships, trusts/estate, gift tax, and payroll/accounting.
- Estate Planning Flat-rate estate planning services including living trusts, wills, powers of attorney, and deeds, delivered through partner Simplify Estate Planning at rates 20%-30% below market average.
- Mortgage Funding Mortgage funding referral services for conventional loans, FHA, VA, RD, HomePath, and refinance products, provided through partner Approved Mortgages.
- Home & Auto Insurance Property and casualty insurance brokerage for homeowners, renters, auto, umbrella, and flood coverage through partner Hemlock Insurance.
Companies that use Clear Strategy
Customer profileSegments4 records
Ideal customer profiles4 records
Clear Strategy technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Clear Strategy partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- InterVISTAS ConsultingcoreStrategic partnership formed in December 2025 to combine expertise in transportation, aviation, and public policy. Clear Strategy brings financial and retirement planning expertise while InterVISTAS provides technical consulting to help clients navigate regulatory environments and industry challenges across North America.
- Simplify Estate PlanningcoreStrategic partner providing estate planning services including living trusts, wills, powers of attorney, and deeds. Clear Strategy offers these services at flat rates 20%-30% below market average. Contact: Gregory Barbee, 888.474.1230.
- Hemlock InsuranceminorHome and auto insurance strategic partner providing property-casualty insurance services to Clear Strategy clients. Contact: Ashley Watterson, 734.531.8765.
- Approved MortgagesminorMortgage funding strategic partner providing conventional loans, FHA loans, VA loans, RD loans, HomePath loans, and home refinance services. Contact: Bill Broucek, extension 131.
- Osaic Wealth, Inc.coreRegistered broker-dealer (FINRA/SIPC member) through which Clear Strategy offers securities and investment advisory services. Technology platform provides wealth management through eMONEY.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Clear Strategy competitors and assessment
Company assessmentBroad incumbents
- Cetera Financial Group: Independent broker-dealer and registered investment advisory platform supporting thousands of independent financial advisors. Plays a role analogous to Clear Strategy's Osaic Wealth relationship, hosting the back-office infrastructure that independent advisory firms depend on.
- Cambridge Investment Research: Independent broker-dealer supporting a large network of financial advisors across the U.S. Comparable to Clear Strategy's broker-dealer relationship model (Osaic Wealth) and provides similar wealth management, retirement, and insurance platform infrastructure.
- LPL Financial: Largest independent broker-dealer in the U.S., providing the platform (clearing, custody, technology) on which thousands of independent advisors (including Clear Strategy-style firms) operate. Functions as a peer/partner platform; comparable to Clear Strategy's reliance on Osaic Wealth for securities execution.
Direct peers
- Ameriprise Financial: Diversified financial services firm with a large network of independent financial advisors providing wealth management, retirement planning, and insurance. Highly comparable to Clear Strategy's independent advisor model and comprehensive service mix, though at materially greater scale and a national footprint.
- Edward Jones: Large independent financial advisory firm with a multi-office branch model serving retail clients across the U.S. Highly comparable to Clear Strategy's independent representative model, multi-location footprint, and investment + insurance offering, though at significantly greater scale and brand recognition.
- Country Financial: Midwest-headquartered insurance and financial services company offering P&C, life, retirement, and investment advisory products. Compares directly to Clear Strategy on integrated insurance + financial planning, multi-location presence, and Midwest geographic focus (notably Illinois and surrounding states).
- Northwestern Mutual: Long-standing US financial services firm offering insurance, investment, and financial planning through a network of financial advisors. Comparable to Clear Strategy in its integrated insurance + advisory + financial planning offering and use of community-based advisors, though Northwestern Mutual operates a captive (not truly independent) advisor model.
- New York Life: Mutual financial services company providing life insurance, retirement income, and investment advisory through career agents. Comparable to Clear Strategy in the integrated insurance + advisory model and use of in-person advisor relationships across multiple local offices.
- Raymond James Financial: Diversified financial services company with a large independent advisor channel offering wealth management, retirement, and insurance solutions. Comparable to Clear Strategy in the independent advisor distribution model and the broker-dealer (similar role to Osaic Wealth) relationship supporting investment activities.
Regional players
- Greenleaf Financial Group: Independent financial advisory firm in Michigan. Comparable to Clear Strategy on regional Midwestern focus, multi-office independent advisory model, and integrated financial planning services, though smaller and not a national chain.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Clear Strategy social profiles
Digital presenceClear Strategy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Clear Strategy leadership team
Management profileNumber of profiles
Profiles3 records
Clear Strategy funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Clear Strategy M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Clear Strategy
What does Clear Strategy do?
Clear Strategy is an independent financial advisory and insurance brokerage firm providing financial planning, retirement planning, investment advisory, health and life insurance, Medicare coverage guidance, tax preparation, estate planning, mortgage funding referrals, and home and auto insurance services. The firm operates a multi-location network across Michigan and Florida where independent representatives deliver coordinated, personalized financial solutions to individuals, families, and small business owners. Securities and investment advisory services are offered through Osaic Wealth, Inc. (a FINRA/SIPC member broker-dealer).
Is Clear Strategy a public or private company?
Clear Strategy is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Clear Strategy founded?
Clear Strategy was founded in 2012. It employs 11 to 50 people.
Where is Clear Strategy based?
Clear Strategy is headquartered in Brighton, United States, in the North America region.
How does Clear Strategy make money?
Five revenue lines are on record. Financial Advisory Services are the primary driver. The others are insurance Sales, tax Preparation Services, estate Planning Services and mortgage Services.
Who are Clear Strategy's main competitors?
Broad incumbents on record are Cetera Financial Group, Cambridge Investment Research and LPL Financial. Direct peers are Ameriprise Financial, Edward Jones, Country Financial, Northwestern Mutual, New York Life and Raymond James Financial. Greenleaf Financial Group is listed as a regional player.
Does Clear Strategy have an API?
No public API is recorded for Clear Strategy.
What industry is Clear Strategy in?
Clear Strategy's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAAACAB, Financial Planning–Led RIAs. Its NAICS code is 523940 and its SIC code is 6282.