Robert Schmansky

CFP®
Retirement, Investing, Lifestage Based Planning
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“Robert Schmansky is the founder and President of Clear Financial Advisors, a fee-only holistic wealth management firm located in Metro-Detroit, Michigan where he assists individuals and families to create financial plans for their personal goals.”
Firm:

Clear Financial Advisors, LLC

Job Title:

President

Biography:

Rob Schmansky, CFP® is the founder of Clear Financial Advisors, a registered investment advisor in Metro-Detroit, Michigan. Clear Financial Advisors provides Fee-Only wealth management services.

Rob’s career mission has been to promote credentialed, holistic financial planning awareness among the public. Recognized in this goal, Rob was selected by CFP Board in 2014 to serve as CFP Board Ambassador. As an Ambassador, Rob promotes the importance of CFP® certification especially among the public in working with a CERTIFIED FINANCIAL PLANNER™ professional who is trained in the many areas of personal financial planning. 

In addition to his role as a CFP Board Ambassador, Rob is an Enrolled Agent (EA) helping clients in tax matters and tax planning, a Chartered Financial Consultant, and a Chartered Advisor for Senior Living. He also holds a Life Insurance Counselor license. Rob has also take post-graduate classes and received certificates in taxation and financial asset management.

Having over a decade of experience with the media, Rob is frequently quoted in the media, including the Wall Street Journal, New York Times, Forbes, CNBC, ABC News, CNN Money, Reuters, Detroit Free Press, Chicago Tribune, Dow Jones Newswires, MarketWatch, National Public Radio, and other publications. He has been published by Forbes, US News & World Report, FiLife (a former IAC / Dow Jones joint venture), Yahoo! Finance, and other outlets, in addition to his own Clear Money Blog

In addition to his work as a personal financial advisor, Rob is an adjunct instructor of economics, and he has also taught the required courses for candidates to sit for the CFP® examination. He has contributed to the retirement planning knowledge requirements for those seeking international CFP® certification under the Financial Planning Standards Board. 

In his free time Rob enjoys listening to non-fiction audiobooks, coaching youth lacrosse, and jogging.

Education:

BS, Human Ecology and Family Resource Management, The Ohio State University
MA, Economics, Walsh College

Fee Structure:

Fee-Only

CRD Number:

4530174

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  • Robert Schmansky, CFP® Financial Advisor Profile
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July 2016
February 2017
    Financial Planning
October 2016

All Answers
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    Retirement Savings, Retirement Plans
I have a 403b running through Valic. I want to roll it over, though the fees are very high and the service is shameful. Can I roll it over while I'm still employed at the same job?
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You may have a few options to rollover your account. If your employer offers multiple options for 403(b) providers, you can likely move out of your current provider to the new one.

If you are over age 59.5, you may be able to roll your funds out to an IRA.

Be aware of any exit penalties that may apply. Often times though it can pay to pay these to leave a high-cost product.

May 2016
    Investing, Alternative Investments, Mutual Funds
Is there a different type of fund, like a hedge fund, with less capital?
100% of people found this answer helpful
May 2016
    IRAs, Retirement Plans
I am unhappy with my current company MBtrading/Tradeking. How easy is it to transfer my money to a new company?
100% of people found this answer helpful
April 2016
    Pensions, 401(k), Annuities
I am permanently disabled and I need to get $35,000 out of my annuity. Will I be subjected to any penalties?
100% of people found this answer helpful
May 2016
    Debt, IRAs, Real Estate
Should I use IRA money to pay off my mortgage to save on interest?
100% of people found this answer helpful
April 2016