Clarity Financial Planning

Clarity Financial Planning is a fee-only, independent financial planning firm that serves middle‑income and upper‑middle‑income individuals and families and maintains a small client roster. The practice provides integrated planning services — including retirement, tax planning, estate‑plan review, insurance analysis, cash‑flow management, and business‑planning advice — delivered by a solo principal.

The firm’s investment work begins with individualized analysis of tax situation, risk tolerance, current finances and personal goals, and typically recommends no‑load mutual funds, ETFs and government or cash‑equivalent instruments. Advice is delivered on a non‑discretionary basis: the firm documents client objectives through a statement of investment policy and executes transactions only when clients expressly authorize implementation (commonly via a limited power of attorney).

What is distinctive about the firm is its planning‑first model: it does not provide ongoing portfolio management for individual clients and it does not use percentage‑of‑assets‑under‑management fees, instead relying on retainer and one‑off planning engagements with clients responsible for implementation unless they request otherwise. The small client population combined with the principal’s CFP and CFA credentials results in a low client‑to‑advisor ratio and a practice structured around comprehensive advice rather than discretionary asset management.