Our low-cost retirement plans provide 100% transparency of all plan fees and expenses. No hidden 12b-1 revenue-sharing fees or asset-based pricing.

Changes in DOL regulations, fees and pricing over the past two years have driven the costs of retirement plans to an all time low. Competition in the retirement plans market makes it easy for companies, schools and tax-exempt organizations to have access to low-cost, fixed fee retirement plan platforms and institutional share class mutual funds, once only available to entities with significant plan assets.


We are Retirement Plan Fiduciaries

ERISA 3(21) or 3(38)

Clarity Capital Advisors, LLC is a fee-only registered investment advisor (RIA) firm legally bound by the fiduciary standard of care. We are held to the highest standard of responsibility to our clients. We do not engage in revenue-sharing or recommend mutual funds with 12b-1 fees (kickbacks from mutual funds) in our plans.

Learn more about our Fiduciary Responsibility under About Clarity.

Our Partners are Low-Cost 401(k) Retirement Plan Leaders 

Rather than working with one plan provider, we work with many who we believe are the best of the best. When it comes to selecting a retirement plan provider, costs, services provided, reputation and expertise are all very important. We believe our providers offer competitively priced plans with exceptional service and many years of experience in this market.

Features of the Clarity 401(k) and 403(b) Retirement Plans

  • Institutional and Admiral share classes for the best pricing. These are low-cost, broadly diversified index mutual fund options for retirement plans. No 12b-1 revenue sharing funds. No hidden fees.
  • Fixed-fee pricing makes it easy to provide full disclosure of all fees and charges associated with your plan
  • Low-cost investment options from Vanguard and Dimensional Fund Advisors
  • Quarterly benchmarking report and plan analysis
  • Robust online interface for plan sponsors and a dedicated employee website with retirement planning tools
  • Semi-annual or annual 401(k) Days at your location for employees. We will meet with employees one-on-one to answer questions and discuss their retirement planning and investing needs.
  • Do you have an existing relationship with a third party administrator? Our plan providers are able to partner with many third party administrators.


Smart Investment Options for your Employees

Low-Cost Target Date Funds from Vanguard and Dimensional Fund Advisors - Built on the principles of high diversification and low costs, these funds automatically adjust their risk level based on the number of years remaining to the targeted retirement date.

Low-Cost, Highly Diversified Model Portfolios - Our model portfolios range from conservative to aggressive allocations and are designed to capture the returns of broad market indexes offered across the global financial markets using Vanguard and Dimensional Fund Advisors  mutual funds. No 12b-1 fees or revenue-sharing mutual funds.

Build Your Own Portfolio - Employees may choose from a wide selection of low-cost funds from Vanguard and Dimensional Fund Advisors.

Participant Self-Directed Brokerage Accounts from TD Ameritrade Institutional


Questions to ask a potential Retirement Plan Advisor:

1.  What are the total costs associated with the plan? Recordkeeping costs, third party administrator fees, custodian fees, plan (financial) advisor fees, mutual fund expense ratios and the weighted expense ratios of the model portfolios. Have the advisor list all of these fees in a simple to read and understand format. If you are unsure how to calculate a basis point fee based on plan assets, ask the advisor to calculate the fee into dollars. This is important to have in writing!

2.  How are plan fees paid? Are plan fees fixed and reviewed each year? Are you using expensive mutual funds with 12b-1 fees to offset plan expenses, when a lower cost share class for the same fund is available? If so, why?

3.  How is the plan advisor paid? Is it based on a percentage of the assets in the plan or on a flat per participant basis? Do not pay an advisor based on a percentage of your plan's assets!

4.  Are you Certified Financial Planner professionals