Clarity Retirement & Wealth, LLC

Clarity Retirement & Wealth, LLC provides discretionary portfolio management and financial planning to individuals, trusts, estates, charitable organizations, and business entities, serving both high‑net‑worth and non‑high‑net‑worth clients and not imposing a firmwide asset minimum. The firm also offers retirement plan rollover guidance, assistance applying for securities‑backed lines of credit, and insurance brokerage services through affiliated insurance agents.

Clarity implements tailored asset allocation using a combination of proprietary model portfolios and third‑party models, and it delegates trading, research, and back‑office execution to sub‑advisers — including Advyzon Investment Management, LLC — while retaining supervision, rebalancing, and client servicing. All disclosed assets are managed on a discretionary basis and the firm employs fundamental and technical analysis across long‑ and short‑term strategies using a broad range of securities.

Distinctive features include a recent launch (operations beginning in 2025) alongside a relatively large level of discretionary assets for a two‑adviser firm, and affiliations with a broker‑dealer and insurance agency that create potential commission conflicts the firm addresses through policies and disclosures. The brochure also discloses use of external technology and AI tools, reliance on a primary custodian relationship with Schwab that provides institutional support and benefits, and that some third‑party model managers may charge additional fees, all of which can affect implementation and should be considered by prospective clients.