Clarity Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$462,000
Clients
4
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
4
Very LowAverage account size
$115,500
About
Clarity Financial is an independent registered investment adviser that provides complimentary financial planning, third‑party manager recommendations, and ERISA 3(21) retirement plan advisory services to individuals, trusts, estates, and business entities. The firm refers client assets to third‑party managers and does not directly manage client securities; those assets are held and managed by the TPMs and are described in the brochure as non‑discretionary with respect to Clarity Financial.
When working with clients, Clarity Financial gathers financial information, recommends suitable TPMs or investment styles, and serves as an ongoing liaison—helping complete TPM paperwork, monitoring TPM performance, reviewing statements, and delivering required disclosures. Financial planning is provided at no charge and the firm’s retirement plan work includes developing investment policy statements, monitoring plan options, and conducting participant education and group enrollment meetings.
Noteworthy differences from many peers include the firm’s affiliation with an insurance brokerage practice and the advisor’s status as a licensed insurance agent who offers commissionable insurance products, a relationship disclosed as a potential conflict of interest. The combination of solicitor arrangements with a named TPM, primarily non‑discretionary TPM‑managed assets, and formal pension consulting with participant education differentiates Clarity Financial from many similarly categorized independent firms.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Newsletters or periodicals
Educational seminars or workshops
Expertise
General retirement planning
Income planning
General tax planning
Fee options
$0 - $1,000,000: Clarity Financial retains 1.00% for Strategic & Tactical Portfolios; 1.00% for Allocation Portfolios; 0.60% for Preservation Portfolios; 0.30% for Client Directed Accounts $1,000,001 - $2,000,000: Clarity Financial retains 0.85% for Strategic & Tactical Portfolios; 0.75% for Allocation Portfolios; 0.60% for Preservation Portfolios; 0.30% for Client Directed Accounts $2,000,001 - $3,000,000: Clarity Financial retains 0.60% for Strategic & Tactical Portfolios; 0.50% for Allocation Portfolios; 0.60% for Preservation Portfolios; 0.30% for Client Directed Accounts $3,000,001+: Clarity Financial retains 0.50% for Strategic & Tactical Portfolios; 0.40% for Allocation Portfolios; 0.60% for Preservation Portfolios; 0.30% for Client Directed Accounts
Investment Advisor Representatives receive commissions from insurance products sold as licensed insurance agents.
Account minimum: No minimum (Clarity Financial does not require a minimum to open an account; however, Third Party Managers (TPMs) may have their own minimums) Minimum fee: For Client Directed Accounts, a minimum quarterly fee billed of $25 applies. Fee-only: Clarity Financial charges no fee ($0.00) for financial planning services, which are offered complimentary.
Main office location
Clarity Financial
440 E. Huntington Drive, Suite 300
Arcadia CA 91106, United States
Number of offices
1
Most active in
Clarity Financial has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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