Clark-Guy & Associates, LTD

Life insurance agency in Upper Arlington, OH (show on map)

Independent financial services firm offering advanced insurance and financial solutions for high net worth individuals.

About

At Clark-Guy & Associates, we help high net worth individuals achieve their succession planning goals in cooperation with their accountants, attorneys, and financial advisors. We offer a wide range of financial products and services, including investments, insurance, retirement planning, estate planning, and wealth preservation.

Our mission is to understand your needs, wants, and long-term goals to develop, implement, and monitor a strategy designed to address your individual situation.

Over 80 years of combined experience

Full-service financial firm

Advanced insurance and financial solutions

Collaboration with accountants, attorneys, and financial advisors

Services

Investments

We offer a wide range of investment products and strategies tailored to individual risk tolerance, time horizon, and goals.

Bonds Common Stock Educational IRA Traditional IRA Roth IRA SEP IRA Simple IRA Brokerage Accounts Treasury Bills Government Securities Treasury Notes Variable Annuity

Insurance

We provide comprehensive insurance solutions including personal, liability, and life insurance to protect against life's financial risks.

Personal Insurance Liability Insurance Life Insurance Long Term Care Insurance Disability Income Insurance

Estate Planning

We help manage personal affairs during life and control the distribution of wealth upon death.

Estate Conservation Succession Planning Trusts Wills Probate Avoidance

Retirement Planning

We help clients accumulate and manage the funds needed for retirement activities.

401(k) Planning 403(b) Planning College Savings Plans Retirement Income Strategies Tax Planning

Tax Planning

We offer strategies to manage and optimize your tax situation.

Tax Return Preparation State Tax Return Preparation Representation Before the IRS Tax Strategy Development Estate Tax Planning

Financial Planning

Comprehensive financial planning to address all aspects of personal finance.

Budgeting Cash Flow Management Debt Management Risk Management Business Start-Up Services

Credentials & Certifications

CLU (Chartered Life Underwriter)

Since 1980 (Bill Clark) / 40+ years (Michael Guy)

Frequently Asked Questions

What is the difference between a Traditional IRA and a Roth IRA? +

A Traditional IRA allows contributions to be tax-deductible, with taxes paid upon withdrawal in retirement. A Roth IRA requires contributions to be made with after-tax dollars, but withdrawals in retirement are tax-free.

How does long-term care insurance work? +

Long-term care insurance covers the costs of extended care services, such as nursing home care, assisted living, or home health care, which are not typically covered by standard health insurance or Medicare.

What is the purpose of estate planning? +

Estate planning involves managing personal affairs during life and controlling the distribution of wealth upon death, ensuring that assets are transferred according to the individual's wishes while minimizing taxes and legal complications.

Why is behavioral finance important for investors? +

Behavioral finance studies how psychological influences and cognitive errors affect investors and markets, helping investors understand and mitigate biases that can lead to suboptimal financial decisions.

What are the benefits of a 401(k) plan? +

A 401(k) plan allows employees to save for retirement on a tax-deferred basis, often with employer matching contributions, helping to grow retirement savings more quickly.

How does tax planning reduce my tax liability? +

Tax planning involves analyzing your financial situation to identify legal strategies that minimize tax liability, such as maximizing deductions, utilizing tax credits, and structuring investments to reduce taxable income.