Clear Retirement Advice LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$153,400,000
Clients
56
84% 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
56
HighAverage account size
$2,739,286
About
Clear Retirement Advice LLC is a single-advisor registered investment adviser serving individual and high-net-worth households with discretionary portfolio management and goal-based financial planning. As of year-end 2025 the firm reported $153.4 million in discretionary assets across a relatively small client base, and it prepares individualized Investment Policy Statements for each client.
The firm’s investment approach combines fundamental analysis with modern portfolio theory to create diversified, goals-based allocations using mutual funds, ETFs, fixed income, real estate funds, annuities, TIPS, commodities and select equities. Portfolios are managed on a discretionary, long-term trading basis (though some holdings may be held for under one year), and financial planning is provided on an ongoing basis when clients engage portfolio management.
Notably, Clear does not use a percentage-of-assets fee model and instead charges a flat fee arrangement for advisory services, which is uncommon among peers; financial planning is included when portfolio management is engaged. The firm manages client assets internally (does not sub‑advise to third‑party managers), maintains a small, concentrated client roster relative to its assets under management, and does not aggregate trades across client accounts, which can affect trade execution dynamics.
Client services
Portfolio management
Expertise
General retirement planning
Annuities
Fee options
Financial Planning Services fixed fee up to $7,000 (negotiated) when provided separately
Minimum fee: Flat fee up to $7,000 for Portfolio Management Services Fee-only: Fixed fee up to $7,000 for Portfolio Management Services; Financial Planning Services separately up to $7,000 fixed fee
Main office location
Clear Retirement Advice LLC
1900 S Norfolk St,, Suite 350
San Mateo CA 94403, United States
Number of offices
1
Most active in
Clear Retirement Advice LLC 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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
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