The Clarity Process
Retirement is about more than your finances
Clarity's process is born out of a genuine interest in helping you. We believe the best way to give you the highest chance of success is by actually getting to know who you are.
Our planning process
A free, no-pressure call to see if we are the right fit.
Your First Call was just the beginning. Here, we'll dig into what matters most — clarifying your purpose, getting clear on your finances, and making sure your financial plan is built on solid ground.
We'll make sure every piece of your financial life is accounted for — investments, retirement, taxes, estate planning, insurance, income, withdrawal strategy, Social Security, debt, and the details that protect the people you love most.
We'll put everything in motion — so you can move forward with confidence. Then we stay by your side, checking in each year and adjusting your plan as your life grows and changes.
Human-first financial planning
There's no substitute for quality time spent with you. Think of us as your retirement guide.
Together, we'll get you where you'd like to be.
Family & Legacy Planning
Wealth that carries your family's values across generations.
- Multigenerational estate & trust strategy
- Values-based inheritance conversations
- Life insurance & wealth transfer planning
- Leaving a story, not just a sum
Small Business Owner
Built around the financial life of an entrepreneur — not a corporate playbook.
- Liquidity planning alongside long-term growth
- Business exit and succession strategy
- Owner compensation & tax efficiency
- Protecting what you've built for your family
Biblically Responsible Investing
Portfolios screened to reflect Christian values in every holding.
- Excludes abortion, gambling & pornography
- Screens for predatory lending practices
- Actively includes faith-aligned companies
- Stewardship, not just returns
Philanthropy & Giving
Generosity built in from the start — not added on at the end.
- Donor-advised fund setup & strategy
- Tithing as a first-line budget priority
- Charitable giving with tax efficiency
- Legacy giving and endowment planning
Dave Ramsey Principles
Debt-free living and the Baby Steps framework woven into a long-term wealth plan.
- Eliminate debt before aggressive investing
- Fully funded emergency fund as a foundation
- Intentional giving built into every step
- Peace of mind over portfolio performance
Your money should reflect what you believe
We've walked alongside business owners, families, and faithful stewards for years. Your plan isn't built from a template — it's built around you, your convictions, and what you want your wealth to mean.
At a glance
Independent advisors with big-firm capabilities.
We're headquartered in St. Petersburg, Florida and work with clients nationwide. We pride ourselves on personalized service and out-of-the-box thinking. You'll never receive pre-packaged, cookie-cutter financial advice.
Your money is in good hands.
Professional investment managers and fiduciary advisors oversee your investments. While you'll have a primary advisor you work with, we take a whole-team approach to give you the best opportunity for success. Assets are protected and insured by an independent third-party custodian.
You're in control.
Having an experienced partner like Clarity in your corner means more visibility and control over your money than ever before. We'll help you gain an intimate understanding of your finances and navigate retirement planning with confidence.
Here's what people are asking
We specialize in helping individuals, families, and business owners who are within 10 years of retirement - or already retired. Whether you have a complex financial situation or simply want a second opinion on your plan, we're here to help.
What type of people does Clarity work with?
We specialize in helping individuals, families, and business owners who are within 10 years of retirement - or already retired. Whether you have a complex financial situation or simply want a second opinion on your plan, we're here to help.
What fees can I expect?
We charge a fee that's a percentage of the value of the investments we manage, which is debited directly from the account: -1% on the first $1,000,000 we manage -0.75% between $1,000,000 and $5,000,000 -0.50% between $5,000,000 and $10,000,000 -0.40% between $10,000,000 and $25,000,000 -0.30% between $25,000,000 and $50,000,000 -0.25% between $50,000,000 and $100,000,000 -0.20% on amounts above $100,000,000 We don't get paid through any type of commission, kickback, or other undisclosed revenue sources. There's no additional charge for the tax and estate planning advice we provide.
What services do you offer?
Clarity provides comprehensive financial planning including retirement income planning, investment management, tax optimization, Social Security analysis, estate planning review, and insurance assessment. Everything is included - no add-ons or hidden fees.
Do you offer proactive tax planning?
Absolutely. Tax planning is one of the most impactful things we do. We analyze Roth conversions, capital gains harvesting, charitable giving strategies, and more - all coordinated with your CPA to minimize your lifetime tax liability.
Where is my money held?
Your assets are held with a third-party custodian - not with Clarity directly. This provides an extra layer of security and transparency. You'll always have direct access to your accounts and can see your holdings at any time.
See how we can help you live your best life in retirement.
We'd love to meet you.