Robert Schmansky
MA, CFP(r)
Free
Personal Financial Advisor and Money Coach Expert
Robert Schmansky Quick Facts
- Main Areas
- Personal Finance, Investments, Goal Setting
- Career Focus
- Business owner
- Affiliation
- Financial Planning Association (FPA); National Association of Personal Financial Advisors (NAPFA)
Robert Schmansky has a wealth of personal finance experience in insurance, banking, professional money management, and holistic financial planning.
Rob began his career with a fee-only financial planning firm specializing in investment management and tax planning; he subsequently worked as an advisor for one of Michigan’s largest independent investment management firms before founding Clear Financial Advisors in 2011.
Rob earned a B.S. in human ecology from The Ohio State University, majoring in family resource management, and a M.A. in economics from Walsh College. His professional credentials include CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Financial Consultant (ChFC), and Chartered Advisor for Senior Living (CASL). Rob is a participating member of the Financial Planning Association (FPA) and the National Association of Personal Financial Advisors (NAPFA).
A lifelong student of personal finance with a commitment to consumer education, Rob has taught required courses for the CFP® examination as an adjunct instructor at Saginaw Valley State University. He has been a contributing writer to NAPFA's blog at Forbes.com; the FPA’s blog All Things Financial Planning; an investment expert for FiLife, a former Dow Jones/IAC joint Internet venture; and a writer for other publications including Yahoo! Finance.
Rob is frequently quoted in the media, including the Wall Street Jou al, Dow Jones Newswires, MarketWatch, National Public Radio, and other industry and consumer outlets.
In his free time, Rob enjoys coaching youth lacrosse, reading fiction and books on history, and jogging.
Articles by this expert
SelfGrowth articles and saved writing connected to this expert.
Article
Saving – Your Part in Fixing the Economy
“Anything that we can do to raise personal savings is very much in the interest of this country.” – Alan Greenspan The FPA, along with more than 1,000 non-profit, government, and corporate groups, supports America Saves Week, this February 20-27. There is never enough to be said about the personal reasons to save: it puts you on firm financial footing, building a safety net and foundation for you to grow from. But, how often have you considered the national benefits that arise from your simple act of saving?
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Do You Need Financial Therapy?
It’s my favorite time of year. You may be wondering if that has anything to do with spring. Perhaps partially… I do enjoy the cleaning and de-cluttering that traditionally happens this time of year. No, today marks the first day of the high school lacrosse season, which for me is also ‘coaching season.’ Even though there is likely to be snow on the ground for some time here in Michigan, we are just a few days away from our first competitions, and there is precious little time for coalescing and getting on track.
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All-or-Nothing is Never the Right Move
I have a difficult time forecasting my preference for meals. At times (many times), it’s pizza; other times, it’s something a little healthier. This indecision about what I’ll want tomorrow causes me to not stock up on much, and I rarely shop too far out. Just as what you may want for dinner today may not be what you crave tomorrow, so it generally is with our preferences for investments.
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Start the Year like a BCS Champion
One of the most important days of the year for the sports fan arrived, and although my alma mater won’t be participating, I’ll be watching the championship tonight with so many of you. As we judge the performances — the catches that should have been caught, the incredible open field runs, and the ‘what were they thinking’ coaching decisions — I will wonder about the parallels to becoming a champion with our financial planning.
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Yes, You Can Keep Your Money Resolutions in 2011
“Habit is habit and not to be flung out of the window by any man, but coaxed downstairs a step at a time.” - Mark Twain My blog today is inspired by a recently aired PBS special by motivational author and speaker Dr. Wayne Dyer titled “Excuses Begone!” It is a fitting time of year for Dr. Dyer’s message as we reminisce on the past year and examine what we wish to change in the coming one.
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Is There Soul in Your Financial Plan?
Are you pondering some critical decisions in your life, wondering whether you should have another child, retire, start a business, go back to school, or remodel your home? Sometimes I will meet with individuals new to the concept of financial planning that ask ‘should’ they do any of the above. And in walking through the conversation of pros and cons, the analysis of available resources, the what-if’s and how’s, I always find I’m never the one making that decision.
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The Multiplicative Power of Goals
We all know if we commit seriously enough to our goals to write them down, we’ll probably have a better chance of achieving them. But have you ever considered the multiplying and powerful effect of goals on our finances?
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Websites & resources
SelfGrowth-published websites, downloads, and contributor profile websites connected to this expert.
Website
Clear Money personal finance blog
Fee-only money coach Robert Schmansky's blog promoting retirement planning, financial literacy and investment product knowledge.
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Website
Clear Financial Advisors, LLC
Clear Financial Advisors, LLC is a fee-only investment advisory and financial planning firm, dedicated to making fee-only advice accessible. Our service menu allows clients multiple options to work with a financial advisor on their terms.
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Favorite Quotes & Thoughts from Robert Schmansky
“Habit is habit and not to be flung out of the window by any man, but coaxed downstairs a step at a time.” - Mark Twain