About Our Firm

We'll show you how to safely descend your financial mountain

Nestled in the beautiful hardwoods of Northern Michigan stands an Advisory Firm that puts our clients first. We are a true independent firm with a system designed to craft low risk low volatility portfolio based on the individual's retirement plans. Our plans are designed to be opportunistic in good times and defensive in bad times to help keep clients out of h arms way.

We believe in Tactical Asset Management where our platform of Private Wealth Managers can go "Risk off" to cash, take advantage of the stock market if it goes up or down and can potentially earn money for our clients if interest rates increase or decrease.

For retirees, pre retirees and conservative investors, we do NOT believe that "Buy & Hold" and Asset Allocation Models are appropriate, considering investor losses could be 50% in the S&P 500 as we experienced during the Great Recession.

At CLC Investment Advisors, we strive to provide our clients with low risk and low volatility portfolio management. Through our Retirement Designed Money
Management System, we look after our clients by providing them with portfolios to help protect what they've worked so hard to build.

Our Services:

Asset Protection
Final Expense Planning
Fixed Annuities
Income Replacement
Investments

Life Insurance Planning
Long Term Care Planning
Retirement Financial Planning
Riskalyze Program
Tactical Management

We are a proud member of the safe money places agent network

The Safe Money Places® Agent Network is a national organization of independent, like-minded financial professionals who operate under the Safe Money Places® philosophy.

The network’s mission is to educate the public about Safe Money Places® and how “safe money products” will help keep their wealth intact and safe.

Members provide their clients with the knowledge about how “safe money products” can provide income vehicles during retirement, help preserve their estates, and how certain financial products can do BOTH.

Please visit our educational website www.SafeMoneyPlaces.com for more information.

ASK US A FINANCIAL QUESTION

Everyone’s financial situation is unique and there is NOT a one-size fits all retirement plan. Ask us questions and get real answers.

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Contact Us:

CLC Investment Advisors
416 E. Mitchell St.
Petoskey, MI 49770
231.675.2693

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DISCLAIMERS:
Low Risk, Low Volatility Disclosure: Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.

We describe the Horter investment management platform by using the terms "Low Risk" and "Low Volatility" to emphasize the strategies employed by our money managers. However, notwithstanding the risk management strategies employed by these money managers, certain investment portfolios employed by our money managers present a greater degree of investment risk than others depending upon the performance of the underlying securities. We typically refer to these strategies as "Moderate Risk" and "Moderate Volatility". Such performance can be impacted by a number of risk factors, including but not limited to (i) the level of price volatility (equity securities generally have greater price volatility than debt securities, (ii) changes in interest rates, and (iii) the ability of the manager to purchase or sell a security in a timely manner at desired prices.

Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered. Insurance and annuity products are sold separately through CLC Investment Advisors. Securities transactions for Horter Investment Management clients are placed through Trust Company of America, TD Ameritrade and Jefferson National Life Insurance Company.
CLC Investment Advisors is not responsible for any independent decisions made from information found on this website or links provided to external websites. You need to conduct your own research and consult with CLC Investment Advisors or your own financial professional about your personal situation before making any financial decisions.

Medicare Supplement insurance policies are underwritten by each individual insurance company. CLC INVESTMENT ADVISORS AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.

Policies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.

These products and their features and riders may not be available in all states.

This is an insurance solicitation. A licensed insurance agent/producer may contact you.

Medicare Supplement insurance underwriting is conducted by each individual insurance company.

INFORMATION CONCERNING COPYRIGHT INFRINGEMENT CLAIMS:
CLC Investment Advisors provides links from its website to various third party sites which may enable you to obtain locations and information outside of our control. We neither control nor endorse such other websites, nor have we reviewed or approved any content appearing on them. We do not assume any responsibility or liability for any materials available at these websites, or for the completeness, availability, accuracy, legality or decency of these sites.

Finally... something different - CLC Investment Advisors