Timothy Grout
CFP®, MBA
Clear Perspectives Financial Planning, LLC
Principal Advisor
Timothy Grout
CFP®, MBA
Clear Perspectives Financial Planning, LLC
Principal Advisor
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Timothy Grout, CFP®, MBA
Fee-Only financial planner located in Cincinnati, OH, serving clients locally and across the country
Timothy Grout is a Cincinnati, 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, Timothy Grout is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Timothy Grout has over 30 years of financial management experience at the Procter & Gamble Company and earned an MBA in finance from Xavier University in Cincinnati. His experience includes roles of increasing responsibility in transitioning the company through major global accounting system and operational changes. Tim developed an interest in financial planning when he was working with family and friends who couldn't find the holistic financial services they needed, leading him to become a Certified Financial Planner™ professional.
He lives in Montgomery, Ohio with his wife Karen and their two children.
Timothy Grout 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 ten-hour 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 below 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
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Timothy Grout is a NAPFA-Registered Financial Advisor
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.
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Timothy Grout is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® 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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Timothy Grout 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, LLC is an Approved Dimensional Funds Advisor
Dimensional 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.
Contact Timothy Grout
Office Locations:
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10300 Alliance Road
Suite 460
Cincinnati, OH 45242