Clearview Wealth Advisors, LLC is an investment adviser registered with the Securities and
Exchange Commission (SEC) with its principal place of business in Oregon. Clearview Wealth
Advisors, LLC began conducting business in 2019. Listed below are the firm's principal
shareholders (i.e., those individuals and/or entities controlling 25% or more of this company).
COURSEY WEALTH ADVISING, P.C., Member
Michael Coursey is 100% owner of Coursey Wealth Advising, P.C.
Clearview Wealth Advisors, LLC offers the following advisory services to our clients:
Investment Supervisory Services/Individual Portfolio Management
Our firm provides continuous advice to a client regarding the investment of client funds based on
the individual needs of the client. Through personal discussions in which goals and objectives based
on a client’s particular circumstances are established, we develop a client’s personal investment
policy and create and manage a portfolio based on that policy. During our data-gathering process,
we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As
appropriate, we also review and discuss a client’s prior investment history, as well as family
composition and background.
We manage these advisory accounts on a discretionary or non-discretionary basis. Account
supervision is guided by the client’s stated objectives (i.e., maximum capital appreciation, growth,
income, or growth and income), as well as tax considerations.
Clients may impose reasonable restrictions on investing in certain securities, types of securities, or
industry sectors.
Our investment recommendations are not limited to any specific product or service offered by a
broker-dealer or insurance company and will generally include advice regarding the following
securities:
Exchange-listed securities
Exchange-Traded Funds (ETFs)
Options and warrants
Corporate debt securities (other than commercial paper)
Certificates of deposit
Municipal securities
Variable life insurance/annuities
Mutual Funds
United States government securities
Interests in partnerships investing in real estate.
Because some types of investments involve certain additional degrees of risk, they will only be
implemented or recommended when consistent with the client's stated investment objectives,
tolerance for risk, liquidity needs, and suitability.
Where appropriate and suitable for a client, we may recommend that all, or a portion of the assets
under management be managed by a Third-Party Asset Manager (“TPAM”) or a sub-advisor. In all
discretionary accounts, except to the extent the client directs otherwise, we are authorized to use our
discretion in selecting or changing a TPAM and/or sub-advisor without prior notice to the client.
We monitor the performance of TPAMs, or sub-advisors selected to manage client assets. Client
may be required to execute a limited power of attorney with a TPAM, or sub-advisor selected by
Clearview Wealth Advisors, LLC. Clients should refer to the selected registered investment adviser's
Firm Brochure or other disclosure document for a full description of the services offered.
Financial Planning
We provide financial planning services. Financial planning is a comprehensive evaluation of a
client's current and future financial state by using currently known factors to assess future cash
flows, asset values and withdrawal plans. Through the financial planning process, all questions,
information, and analysis are considered as
they impact and are impacted by the entire financial and
life situation of the client. Clients purchasing this service receive a written report which provides the
client with a detailed financial plan designed to assist the client achieve his or her financial goals and
objectives.
In general, the financial plan can address any or all the following areas:
PERSONAL: We review family records, budgeting, personal liability, estate information and
financial goals.
TAX & CASH FLOW: We analyze the client's income tax and spending and planning for
past, current, and future years; then illustrate the impact of various investments on the
client's current income tax and future tax liability.
INVESTMENTS: We analyze investment alternatives and their effect on the client's
portfolio.
INSURANCE: We review existing policies to ensure proper coverage for life, health,
disability, long-term care, liability, home, and automobile.
RETIREMENT: We analyze current strategies and investment plans to help the client
achieve his or her retirement goals.
DEATH & DISABILITY: We review the client's cash needs at death, income needs of
surviving dependents, estate planning and disability income.
ESTATE: We assist the client in assessing and developing long-term strategies, including as
appropriate, living trusts, wills, review estate tax, powers of attorney, asset protection plans,
nursing homes, Medicaid, and elder law.
We gather required information through in-depth personal interviews. Information gathered
includes the client's current financial status, tax status, future goals, investment objectives, liquidity
needs and attitudes towards risk. We carefully review documents supplied by the client, including a
questionnaire completed by the client, and prepare a written report. Should the client choose to
implement the recommendations contained in the plan, we suggest the client work closely with
his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial
plan recommendations is entirely at the client's discretion.
We also provide general non-securities advice on topics that may include tax and budgetary
planning, estate planning and business planning. Typically, the financial plan is presented to the
client within six months of the contract date, provided that all information needed to prepare the
financial plan has been promptly provided. Financial Planning recommendations are not limited to
any specific product or service offered by a broker-dealer or insurance company.
Our Financial Planning services do not include other investment advisory services that may be
offered by the Advisor. The client is responsible for making all decisions on whether to proceed, or
not proceed, with the Advisor’s advice and planning recommendations. Client understands that he
or she is free to accept, or reject, any recommendation of Advisor.
Advisory Services to Brokerage Customers
We provide investment advisory services to certain broker-dealers’ customers (“Brokerage
Customers”) who provide written consent requesting to receive the firm’s advisory services.
Brokerage Customers have entered into a written advisory agreement with Clearview Wealth
Advisors, LLC.
Wrap-Fee Program
Clearview Wealth Advisors does not sponsor or participate in a wrap-fee program.
Assets Under Management
As of December 31, 2023, Clearview Wealth Advisors had approximately $175,393,000 in
discretionary assets under management and $0 in non-discretionary assets under management.