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Robert Schmansky

Retirement, Investing, Lifestage Based Planning
“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.”

Clear Financial Advisors, LLC

Job Title:



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.

In addition to his role as an advisor, Rob is an Enrolled Agent (EA) helping clients in tax matters and tax planning. 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.


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

Assets Under Management:

$15 million

Fee Structure:


CRD Number:


Insurance License:

#MI Life Counselor

  • Robert Schmansky, CFP® Financial Advisor Profile
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January 2018
    College Tuition, Investing
July 2017
    Retirement Savings
February 2017
    Financial Planning
October 2016
July 2016

All Answers
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    Investing, Asset Allocation, Stocks
Are high risk stocks still a good option for young investors?
74% of people found this answer helpful

Stock volatility actually isn't greater than in the past, it's very much in line with history and by some measures we are not in as volatile of a period as most decades. In fact, volatility is good for long-term investors. The volatility of any individual stock can be great, which is why it is better to have stock ownership through mutual funds where you remove specific risks of companies. If your time horizon is 10+ years, ideally every asset should be in growth assets like stocks. If you have 30% of your portfolio in bonds that money will be losing to inflation over the next 40 years. Your only hope is a diverse mix of assets that can keep up with inflation.

March 2016
    Investing, ETFs, Mutual Funds
Should I invest in ETFs or passive index funds?
74% of people found this answer helpful
April 2016
    Investing, Real Estate
What is the difference between a REIT and a real estate fund?
73% of people found this answer helpful
May 2016
    Investing, Bonds / Fixed Income, ETFs, Mutual Funds, Stocks
What are my best options for short term growth?
71% of people found this answer helpful
May 2016
    Career / Compensation, Investing
Now that the DJIA has reached 20,000, is it still a good idea to invest in the market?
71% of people found this answer helpful
January 2017