Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Pension Consulting Services
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Pension & Profit Sharing Plans
Available Fee Structures
- Fixed Fees (Other than subscription)
Clarity Capital Advisors, LLC Overview
Clarity Capital Advisors, LLC is a registered investment advisory firm that provides investment advice only. The firm was established in 2021 and is headquartered in Irvine, California. As a fee-only advisory firm, they operate without any conflicts of interest and aim to provide unbiased financial advice to their clients. Clarity Capital Advisors, LLC offers a range of services, including financial planning and portfolio management for individuals and small businesses. They provide clients with customized financial plans that are tailored to meet their specific needs and goals. Their portfolio management services aim to help clients achieve their investment objectives by assessing risk tolerance, selecting appropriate investment vehicles, and monitoring overall portfolio performance. The firm also offers pension consulting services to help businesses establish, manage, and maintain pension plans for their employees. They work with clients to design plans that align with their retirement goals and ensure compliance with all regulatory requirements. Overall, Clarity Capital Advisors, LLC is committed to helping clients achieve financial clarity and peace of mind by providing objective, ethical, and comprehensive financial advice and services.
CLARITY CAPITAL ADVISORS, LLC offers financial management services to a diverse range of clients. The firm caters to individuals looking to secure their financial future, high net worth individuals seeking expert advice on their wealth management, and pension or profit sharing plans in need of sound investment strategies. With a deep understanding of each client's unique needs, goals, and risk appetite, the advisors at CLARITY CAPITAL ADVISORS, LLC provide customized solutions that help them achieve their financial objectives. When it comes to fee structures, CLARITY CAPITAL ADVISORS, LLC provides options that are flexible and transparent. Their comprehensive financial planning services are available on a fixed fee basis, ensuring that clients know exactly what they are paying for, without any hidden charges. This fee structure is ideal for those seeking ongoing support and guidance in managing their finances. The firm also offers fee-only investment management services, where the advisory fee is based on the assets under management. This structure aligns the advisor's interests with those of the client, as the advisor's compensation is directly linked to the client's investment returns. Moreover, CLARITY CAPITAL ADVISORS, LLC holds itself to the highest fiduciary standard, putting the client's interests ahead of their own in all decision-making processes. This means that clients can rest assured that the advice they receive is solely in their best interest, free from any conflicts of interest.
Typical Clients, Fee Structures & Investment Minimum
The Part 2 Brochure of Clarity Capital Advisors, LLC does not explicitly mention what their investment minimum is.
How This Office Can Help Peachtree Corners, GA Residents
Clarity Capital Advisors is committed to assisting clients in Peachtree Corners, GA by offering comprehensive financial planning and investment management services. The firm understands that people in Peachtree Corners face a range of financial challenges and strives to help clients achieve their financial goals in a personalized and effective manner. For example, many residents of Peachtree Corners may be struggling with retirement planning, particularly if they recently experienced changes in their employment or income. Clarity Capital Advisors can assist with developing a retirement plan that takes into account individual circumstances and goals, and provides ongoing monitoring and adjustment as necessary. Other common financial situations in Peachtree Corners might include managing debt, planning for college expenses, saving for a major life event, or navigating a transition such as divorce or the death of a spouse. In all cases, Clarity Capital Advisors works closely with clients to develop personalized plans that are tailored to their individual financial needs and objectives.
Services Offered by Clarity Capital Advisors, LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Clarity Capital Advisors, LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
Firm Headquarters
This firm has no other locations.
State Registrations
Clarity Capital Advisors, LLC is registered to service clients in the following states:
- California
- Nebraska
- Texas
Disciplinary History
Clarity Capital Advisors, LLC does not have any disclosures. Please visit it's Form ADV for more details.