Carol A. Hoffman
MBA, CFP®
Clear Perspectives Financial Planning
Principal and Financial Advisor
Carol A. Hoffman
MBA, CFP®
Clear Perspectives Financial Planning
Principal and Financial Advisor
Our clients are busy, so we simplify financial planning for you and execute as much of it as we can so you don't have to do it. We work in teams, and provide retirement planning, cash flow and tax planning, education planning and estate planning. We use low cost, liquid investments and everything we do is based on published and proven research. Every dollar counts! Call us for a complimentary consultation, with no sales or commissions. - Carol A. Hoffman, MBA, CFP®
Fee-Only Financial Planner with clients aross the United States and many other countries. We can work with you in any location!
Carol A. Hoffman is a Blue Ash, OH fee-only financial planner. Clear Perspectives Financial Planning, LLC provides comprehensive and objective financial planning, investment management, and income and tax planning to help Procter & Gamble and General Electric employees, Socially Minded Investors, and Women-Led Households organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Carol Hoffman is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Carol A. Hoffman has been a finance manager for 30 years and completed her MBA in finance at Indiana University prior to becoming a CERTIFIED FINANCIAL PLANNER™ professional.
Carol developed financial analysis and leadership experience in global business management and global audit positions at Procter & Gamble and in nonprofit organizations. Carol managed hundreds of millions of dollars in commodities positions, supply chains, acquisitions and profit management prior to becoming a Principal and Chief Investment Officer at Clear Perspectives Financial Planning. Carol lives in Montgomery, Ohio with her husband John. They have two grown children.
Carol A. Hoffman is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
Clear Perspectives Financial Planning is a group of expert financial advisers centrally located in Cincinnati, Ohio, and serving clients throughout the United States and internationally.
We are fiduciaries and CERTIFIED FINANCIAL PLANNER™ professionals. The CFP® certification includes background checks and a lengthy exam. As fiduciaries, we are committed to place the interests of our clients ahead of our own and we must disclose any possible conflict of interest. That is how we designed our business, and we would never have it any other way. Our clients benefit from total transparency, peace of mind, and high-quality, diversified investments at a low cost.
We want to help you achieve your financial goals. Call us at (513) 469-8400 to talk more or schedule an appointment. Our initial meeting together is free and we will address your most pressing questions.
Comprehensive Financial Planning
We listen attentively to your circumstances and values, and help you craft a plan that is personal to you and your family. We will perform a detailed analysis of all facets of your financial life, including investments, cash flow, debt, and legacy planning; this is known as comprehensive financial planning.
We like to refer to the mind map on our website to review important areas with you.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
- Cash flow planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
- Corporate Executives
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Carol Hoffman is a NAPFA-Registered Financial AdvisorThe National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Carol Hoffman is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Carol Hoffman is a member of The Financial Planning Association® (FPA®)FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
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Clear Perspectives Financial Planning is an Approved Dimensional Funds AdvisorDimensional believes an advisor can work closely with you to understand your financial needs and provide a range of wealth management services, while encouraging the discipline essential to long-term investment success. Financial advisors who work with Dimensional operate independently from Dimensional and vary in the extent to which they use Dimensional funds.
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Clear Perspectives Financial Planning Named to 40 Best Cincinnati Financial Advisors List for 2021 by Expertise.com
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Carol Hoffman is Registered Financial Consultant
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Carol Hoffman is quoted in the Wall Street Journal: "For Empty Nesters, Spending May Trump Extra Saving"
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Carol Hoffman is quoted on FinancialAdvisorIQ: "Protect Clients’ Assets From Infighting Heirs"
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Carol Hoffman is Quoted in The Billfold.com: "Empty Nest Spending"
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Carol Hoffman is Quoted in The Motley Fool: "Is It Ever Wise to Make Early Withdrawals From Your 401(k)?"
Contact Carol A. Hoffman
Office Locations:
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10300 Alliance Road
Suite 460
Cincinnati, OH 45242
