Clarity Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Clarity Financial provides financial planning services to individuals and high‑net‑worth individuals through comprehensive financial plans, one‑time consultations, and hourly engagements that address retirement planning, cash‑flow and debt management, estate planning, business planning, and equity compensation. The principal also offers tax preparation as a separate activity distinct from the advisory services.
Unlike many independent advisers, Clarity Financial does not provide ongoing investment management and therefore does not custody or trade client accounts; when performing investment analysis the firm relies on modern portfolio theory and generally recommends passive, low‑turnover portfolios for clients to implement with a custodian of their choice. The firm’s advisory work is billed on fixed‑fee, one‑time, or hourly bases rather than as a percentage of assets and it does not accept performance‑based compensation.
Notable aspects of the practice include the principal’s dual CFP® and Enrolled Agent credentials and explicit experience advising on equity compensation (RSUs, ISOs, NQSOs, ESPPs) and tax implications, and comprehensive planning engagements include up to six months of implementation support. Clarity Financial also discloses no related‑party affiliations, does not participate in wrap programs, and states it receives no third‑party or referral compensation.
Client services
Expertise
Fee options
Comprehensive Financial Plan fixed fee between $5,250.00 and $7,500.00; One-time Consultation fixed fee between $895.00 and $1,500.00
$350.00 per hour for hourly consulting
Fee-only: Fixed fees ranging from $895.00 to $7,500.00 for financial planning services; hourly consulting at $350.00 per hour
Main office
San Francisco CA
Advisors at this office
1
Most active in
California
Also doing business as
Clarity Financial · Liston, Heather Cecelia
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
Forms ADV
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