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Our Services

Our specialty is investment management. However, we have branched out into offering Medicare options and tax return preparation to further serve our clients and community. ​
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Investments

Clearwater Financial is a full-service financial firm committed to helping people pursue their financial goals. We offer a wide range of financial products and services to individuals and business owners.

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Medicare

As a certified and licensed agent, we offer Priority Health Medicare Plans. Whether you are aging in or want to know your options for switching plans, we are here to help. 

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Tax Preparation

We offer full-service individual 1040 tax return preparation. Once we have all of your tax information, we electronically file both your federal and state returns. 

Investments

At Clearwater Financial, we offer a wide variety of financial services that we tailor to fit your needs. We recognize that everyone is in a different financial situation and has different goals; so, we customize our recommendation of products and services to best fit your needs. 

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Our service areas include:

  • Retirement strategies

  • Income and distribution planning

  • Education planning

  • Tax planning

  • Estate and legacy planning

  • General investing

  • Life insurance

  • Group retirement plans (Simple IRA, 401(k), SEP IRA)

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Depending on your goals, we will incorporate:

  • Managed/Advisory accounts or Brokerage accounts

    • Mutual Funds

    • ETFs

    • Common & Preferred Stock

  • Annuities

    • Variable, Fixed, & Registered Index-Linked​

  • Life insurance

  • Alternative Investments and REIT's​

Medicare

Whether you are new to Medicare or have been on it for years, we can review your options and ensure you are on a plan that fits your needs. 

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We can explain the difference in Medicare Advantage and Medigap/Supplemental plans and help you make a decision that is best for your pocketbook. Plans have different coverage and fit into budgets differently depending on factors like how much you go to the doctor and what medications you take. We can help break down how the plans will fit into your budget and make sure you are getting the healthcare coverage that you deserve. 

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We utilize Priority Health's Medicare plans because they provide access to 9 out of 10 primary care providers and every major hospital system in Michigan. 

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JD Power - Priority Health award
Tax Preparation

We offer individual 1040 tax return preparation for Federal and State filings. Unlike the pop-up shops, we are available year-round to help with tax questions. 

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Additional Schedules offered: 

  • Schedule C - sole proprietorship

  • Schedule F - self-employed farmers

  • Schedule E - Rental properties

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For convenience, we accept tax documents physically (via drop off, mail, appointment), or electronically (via email). Most of our clients utilize our drop off service, although we do offer appointments as well. 

104 East Grant Street

Plainwell, MI 49080

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269-685-1170

Osaic Wealth Form CRS

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Check the background of your financial professional on FINRA's BrokerCheck

 

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

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This website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, or tax advice. You may wish to consult an attorney, tax advisor, or accountant regarding your specific situation. No representations are made as to the accuracy of the information contained herein or any information contained in any link provided herein.

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This communication is strictly intended for individuals residing in the states of AZ, CO, FL, GA, IN, MI, NC, TX, WI. No offers may be made or accepted from any resident outside the specific state(s) referenced.

IMPORTANT CONSUMER INFORMATION
A broker-dealer, investment advisor, BD agent, or IA rep may only transact business in a state if first registered or is excluded or exempt from state broker-dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up: individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

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This communication is strictly intended for individuals residing in the states of (List states where the RR is registered to conduct securities business.) No offers may be made or accepted from any resident outside the specific state(s) referenced.

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