Clear Perspectives Financial Planning, LLC
Fee-Only financial planner located in Cincinnati, OH, serving clients locally and across the country
Timothy Grout has over 30 years of financial management experience at the Procter & Gamble Co., 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™.
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 the country’s 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.
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Timothy Grout is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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.
Clear Perspectives Financial Planning, LLC has access to Dimensional Funds
The Dimensional approach focuses on academic research that isolates the factors that tend to outperform the broad market over long time periods and the risk characteristics that can be eliminated from a portfolio. While indexes are simply measures of an asset class, DFA funds aim to efficiently capture the excess returns of an asset class without taking uncompensated risk—and at a low cost.
Contact Timothy Grout
9545 Kenwood Road
Cincinnati, OH 45242