Clearview Wealth Management is a investment adviser based in Irvine, CA, that holds a 78.0/100 Fidelon TransparencyScore (15th percentile among SEC-registered advisers), with 2 registered advisors. Score based on public SEC and FINRA filings.
Clearview Wealth Management
Clearview Wealth Management · CRD #288978
A registered investment adviser with a clean regulatory record.
Fidelon Fact Sheet
Clearview Wealth Management is an SEC-registered investment adviser in Irvine, CA. It used to be called Him Clearview Financial Planning Group and Clearview Financial Planning Group. It has 2 registered advisors. It manages $178.5 million across 646 client accounts. It charges one yearly percentage of your account, and it can also earn commissions when it sells you a product. Its services include financial planning, portfolio management, investment newsletters and market-timing advice. Its record shows no customer complaints, regulatory actions or fines.
Peer Context
9,176th of 10,815
SEC-registered advisers
Bottom 15%
1,118th of 1,277
SEC-registered advisers in CA
Bottom 12%
31st of 37
SEC-registered advisers in Irvine, CA
Bottom 16%
How This Firm Works
Registration & Standard of Care
Investment Adviser — this firm is a registered investment adviser, held to a fiduciary standard — legally required to act in clients' best interests.
How This Firm Gets Paid
- Charges a percentage of assets under management
- Charges fixed fees for specific services
- Can earn money selling products alongside advice — the product company pays that, so it never appears on an advisory invoice
What you’d pay
Your balance falls in the All accounts band, charged at up to 2.25% on the full amount. The brochure files this rate as a maximum, not a price. What you actually pay is set in your agreement and may be lower.
This fee is negotiable
“Fees are subject to negotiation and will vary depending on the specific circumstances and services agreed to.”
From their Form ADV Part 2A. Most investors never ask.
Not included above
- • Transaction charges as described in the custodial agreement
- • tax preparation fees ranging from $300 to $6,000
- • financial planning fees ranging from $600 to $10,000 per year
- • hourly fees not to exceed $500/hour
- • fixed fees for limited term engagements
Estimated from the firm’s Form ADV Part 2A brochure — not a quote. Actual fees are set in your agreement and may differ. Costs charged by others (custodians, fund managers) are not included.
What This Firm Charges
| Account Size | Annual Fee |
|---|---|
| All accounts | Up to 2.25% |
Billed quarterly or monthly
Extracted from Form ADV Part 2A brochure
Specializations
Extracted from Form ADV Part 2A brochure
Key Findings
Strengths
- Registered as investment adviser with fiduciary obligation
- Clean regulatory record — no disclosures, arbitrations, or fines
Things You Should Know
- Its brochure says its people can earn commissions on products, but it does not say you can buy the same products elsewhere, commissions can shape what they recommend, or whether commissions lower your advisory fee. Ask whether you could buy any recommended product through another broker or insurer.Item 5.E
- Its brochure names research or services received from a custodian or broker (soft dollars) as a conflict, but it does not explain what this arrangement tempts the firm to do, say what the firm is paid for it, or say what it can cost you. Ask what the firm receives from the custodian or broker it uses for you, and whether that costs you anything.Items 10, 11, 12.B and 14
Conflict Audit
Our analysis identified 1 potential conflict of interest in regulatory filings.
Source: Form ADV Part 1, Items 6-8; Part 2A, Items 10-14
What this firm says about how it gets paid
“Note: The more assets there are in a client’s advisory account, the more a client investor will pay in total fees, and the firm may therefore have an incentive to encourage the client investor to increase the assets in his or her managed account.”
Source: the firm’s own Form CRS, filed 2025-03-27 — quoted directly
Regulatory Track Record
0
Disclosures
Clean record — no disclosures found
$0
Total Fines
Clean record — no fines found
Regulatory Events
TransparencyScore Dimensions
Disclosure Record
Customer complaints, arbitrations, and fines. Frequency and recency matter.
100/100
Strong
Avg for investment adviser firms: 82.6 | Top 10%: 99.5
Filing Quality
How clearly the firm describes services, fees, and investment approach in regulatory filings.
94/100
Strong
Avg for investment adviser firms: 84.1 | Top 10%: 100
Conflict Disclosure
How openly the firm explains who pays it and what it's paid to sell. The conflict isn't the problem — hiding it is.
50/100
Weak
Avg for investment adviser firms: 54 | Top 10%: 67
Enforcement History
Self-reported legal and disciplinary history from Form ADV Item 11.
100/100
Strong
Avg for investment adviser firms: 99.7 | Top 10%: 100
Their two-page relationship summary
The SEC requires every SEC-registered investment adviser to hand you this summary, called a Form CRS, and says what it must cover. We checked this firm's against that list. What is a Form CRS?
- Does it include everything the SEC requires?
- Required sections
- 69/100
- Does it explain how the firm's conflicts affect you?
- Conflicts of interest
- 80/100
- Can you tell what you would pay?
- What you pay
- 75/100
- Is it written in plain English?
- Plain language
- 81/100
This firm's Form CRS averages 76 out of 100. It adds 4.06 points once the firm's filings and record score 90 on their own; they score 77.97 today.
What their brochure tells you
The firm must give you this brochure, Form ADV Part 2A, before you sign. We read it against the SEC's own instructions, item by item. Quotes are the firm's own words; page numbers refer to the filed brochure. What is in a brochure?
Can you tell what you'd pay and when?Brochure Fee Clarity100/100
The SEC asks every brochure to spell out the fee schedule, whether fees can be negotiated, how and when you are billed, the other costs you pay, and refunds.
The brochure answers every one of these.
- Can you tell what you'd pay?CoveredItem 5.A
Without a fee schedule you cannot compare this firm with any other.
The incremental maximum Investment management fee on a householding basis is as follows:p. 7
- Does it say whether the fee can be negotiated?CoveredItem 5.A
If fees are negotiable, other clients may be paying less than you for the same service.
Fees are subject to negotiation and will vary depending on the specific circumstances and services agreed to.p. 8
- Does it say whether the fee comes out of your account or gets billed?CoveredItem 5.B
A fee taken straight from your account is easy to stop noticing.
By agreement with the client we typically deduct the fixed and or variable advisory fees from the clients account(s) quarterly or monthly, however we may, alternatively, bill the client for these fees on an annualized, quarterly or monthly basis.p. 8
- Does it say how often you're charged?CoveredItem 5.B
Monthly, quarterly, in advance or in arrears changes what you owe when you leave.
By agreement with the client we typically deduct the fixed and or variable advisory fees from the clients account(s) quarterly or monthly, however we may, alternatively, bill the client for these fees on an annualized, quarterly or monthly basis.p. 8
- Does it list the other costs you pay, like fund and custodian fees?CoveredItem 5.C
The advisory fee is rarely the whole bill; fund, trading and custody costs come on top.
In addition to the annual investment advisor management fee, and unless otherwise agreed between the client and the advisor, clients engaging Clearview Wealth Management as an investment advisor will pay transaction charges as described in the “Other Fees and/or Costs” section of their custodial agreement with their custodianp. 8
- Does it say how you get money back if you leave mid-period?CoveredItem 5.D
If you pay in advance and leave early, the refund rule decides what you get back.
If the advisory agreement is terminated before the end of a period for which fees have been collected in advance then the advisor will calculate the pro rata amount of fees collected that have been earned based on a time basis and the amount of unearned fees will be refunded to the client within 90 days.p. 8
Does it explain each conflict of interest and what it could cost you?Brochure Conflict Specificity46/100
The SEC asks the brochure to name each way the firm gets paid besides your fee, what that tempts the firm to do, and what it can cost you.
Each point is marked Covered or Not found. When a point is not found, we say what to ask.
If the firm gets research or services from a custodian or broker, does it explain them?
Research or services received from a custodian or broker (soft dollars)
- Does the brochure name this conflict where the SEC requires?CoveredItems 10/11/12.B/14
A conflict named in the right place is one the firm has thought about; one buried elsewhere is easy to miss.
The Firm receives economic benefits through its participation in the Schwab Institutional program which may include however are not limited to discounted costs for the following: Morningstar Advisor Workstation (nonproprietary securities research and analytics tool), iRebal (and portfolio management, rebalancing, and trade execution tool), Money Guide Pro (a financial planning software tool), DocuSign (electronic document completion and signature tool), Black Diamond (portfolio management, client reporting portal) and other support services and tools which the firm intends to use the benefit of any client of the firm appropriate.p. 19
- Does it explain what this arrangement tempts the firm to do?Not found in the brochureStaff Bulletin Q11
You can only judge advice when you know which way it is being pulled.
What to askAsk what this arrangement gives the firm a reason to recommend, and how often that happens.
- Does it describe what the arrangement actually is?Not found in the brochureStaff Bulletin Q11
A conflict described in one vague sentence tells you it exists but not how it works.
What to askAsk the advisor to explain this arrangement in plain terms, including who pays whom.
- Does it say what the firm is paid for it?Not found in the brochureStaff Bulletin Q11
The size of the payment tells you how strong the pull is.
What to askAsk how much the firm or its people receive from this arrangement in a typical year.
- Does it say how the firm comes out ahead?Not found in the brochureStaff Bulletin Q11
Benefits that are not cash, like free services or referrals, still shape advice.
What to askAsk what the firm gains from this arrangement beyond fees.
- Does it say what it can cost you?Not found in the brochureStaff Bulletin Q11
Every conflict has a price; the question is whether the brochure puts it in your hands.
What to askAsk what this arrangement can cost you, in fees, returns or choices you do not get.
- Does it say how the firm keeps this conflict in check?Not assessed yetItems 10.C-D, 11.B-D, 14.A
A conflict with no control on it is left to the advisor's goodwill.
What to askAsk what the firm receives from the custodian or broker it uses for you, and whether that costs you anything.
- Hedged wording
Clients should be aware, however, that the receipt of economic benefits by the firm and its associated advisors in and of itself creates a potential conflict of interest and may indirectly influence the Advisor’s choice of Schwab Institutional for custody and brokerage services.p. 22
Do they earn commissions on products, and do they say so?Brochure Sales Compensation40/100
When a firm or its people sell products for a commission, the SEC asks the brochure to say so, name the pull, and tell you whether you could buy elsewhere.
Each point is marked Covered or Not found. When a point is not found, we say what to ask.
- Does it say that earning commissions is a conflict of interest?CoveredItem 5.E.1
A firm paid to sell a product has a reason to recommend it that has nothing to do with you.
For acting as your agent your advisor may receive a commission directly from the insurance company.p. 10
- Does it say commissions can shape what they recommend?Not found in the brochureItem 5.E.1
Naming the pull is the first step to controlling it; silence leaves it working on you.
What to askAsk how the firm keeps commissions from steering the advice you get.
- Does it say you can buy the same products elsewhere?Not found in the brochureItem 5.E.2
You may be able to buy the same product for less somewhere else.
What to askAsk whether you could buy any recommended product through another broker or insurer.
- Does it say whether commissions lower your advisory fee?Not found in the brochureItem 5.E.4
If the firm earns a commission and the full advisory fee, you pay twice for one recommendation.
What to askAsk whether any commission the firm earns is credited against your advisory fee.
Do they get free research or services from brokers, and does it affect you?Brochure Soft Dollars71/100
When brokers give the firm research or services in return for your trades, the SEC asks the brochure to say what the firm gets and what it may cost you.
Each point is marked Covered or Not found. When a point is not found, we say what to ask.
- Does it list what the firm gets from brokers for free?CoveredItem 12.A.1.e
Research, software and data paid for by your trades are a cost you never see.
The Firm receives economic benefits through its participation in the Schwab Institutional program which may include however are not limited to discounted costs for the following: Morningstar Advisor Workstation (nonproprietary securities research and analytics tool), iRebal (and portfolio management, rebalancing, and trade execution tool), Money Guide Pro (a financial planning software tool), DocuSign (electronic document completion and signature tool), Black Diamond (portfolio management, client reporting portal) and other support services and tools which the firm intends to use the benefit of any client of the firm appropriate.p. 19
- Does it say the firm benefits by not paying for those things?CoveredItem 12.A.1.a
A perk the firm would otherwise buy is money in the firm's pocket, paid with your trades.
Some of the products and services made available by Schwab Institutional through the program may benefit the firm but may not directly benefit its Client accounts.p. 22
- Does it say those perks can shape which broker it picks for you?CoveredItem 12.A.1.b
Your trades should go where you get the best deal, not where the firm gets the best perks.
Clients should be aware, however, that the receipt of economic benefits by the firm and its associated advisors in and of itself creates a potential conflict of interest and may indirectly influence the Advisor’s choice of Schwab Institutional for custody and brokerage services.p. 22
- Does it say whether those perks stay within what the law allows?Not found in the brochureItem 12.A.1.e note
The law allows research paid for with client trades only within limits; outside them, it is your money.
What to askAsk whether everything the firm receives from brokers is research the law lets it take in return for your trades.
- Does it say whether you pay more in trading costs because of those perks?Does not applyItem 12.A.1.c
Paying up for trades to earn the firm a perk comes straight out of your returns.
- Does it say whether every client benefits or only some?Not found in the brochureItem 12.A.1.d
Your trades may be paying for research that helps other clients' accounts, not yours.
What to askAsk whether the research your trades help pay for is used for your account.
A point not found is not a finding against the firm; many points apply only when the firm has that arrangement, and state-registered firms file the same brochure form.
Next Steps
Advisor Roster
2 advisors
| Advisor | CRD | Score | Grade |
|---|---|---|---|
| Eric Daniel Figarsky | 5444612 | — | — |
| Nicholas Joseph Bautista | 5560293 | — | — |
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Frequently Asked Questions
What does the TransparencyScore measure?
The TransparencyScore measures how clearly and completely an advisor or firm discloses important information in their regulatory filings — things like fees, conflicts of interest, disciplinary history, and business practices. A higher score means better disclosure quality, not better investment performance.
Where does this data come from?
All data comes from public regulatory filings: SEC Form ADV (Parts 1, 2, and 3), FINRA BrokerCheck, and the SEC's Investment Adviser Public Disclosure (IAPD) database. These are official filings that firms and advisors are legally required to submit.
Does a low score mean they're a bad advisor?
Not necessarily. A low score means the firm's public filings are less transparent — they may use vague language about fees, skip details about conflicts, or have a more complex regulatory history. Some excellent advisors work at firms with poor disclosure practices. The score measures the filing, not the person.
How often is this data updated?
Fidelon refreshes data from SEC and FINRA sources on a regular schedule. Form ADV filings are updated annually by firms (with amendments throughout the year), and BrokerCheck data is updated as events are reported. Scores are recalculated after each data refresh.
Can an advisor or firm improve their score?
Yes. Scores are based on what's in public filings. A firm that rewrites its ADV brochure in clearer language, discloses conflicts more specifically, or resolves outstanding regulatory issues will see its score improve at the next refresh. The incentive structure is intentional.
Data Sources
Scores are generated using Fidelon's published scoring methodology and reflect the quality of public disclosures, not the quality of investment advice. A firm that improves its disclosures will see its score improve. Fidelon does not provide investment advice.
Verify on SEC IAPD
Last scored: · Score version: 3.15 · CRD #288978