We Serve Clients Nationwide

Flat Fee, Fee Only, Fiduciary Advisors with Over 60 Years of Combined Financial Experience


The Flat Fee, Fee Only Advantage for Investors

At Clarity Capital Advisors, we are fiduciary financial advisors. Our flat fee pricing structure is in line with other medical, legal, and tax professionals - one simple and straightforward fee. We believe investors should pay a financial advisor a fair flat fee based on the advisor's education, professional designations (e.g., Certified Financial Planner CFP® and Chartered Financial Analyst CFA®), financial experience, and the services they provide such as financial planning (e.g., retirement planning, investment planning, retirement income strategies, charitable giving, college planning, income tax planning, etc.) and investment management. Fee only means no sales commissions, no surrender charges, no hidden fees, no revenue-sharing, and no kickbacks to investment providers. Our form of compensation provides total fee transparency and is aligned with the Fiduciary Standard for financial advisors.


Why do some financial advisors charge an asset-based fee such as 1%?

This fee structure is commonly referred to as an assets under management (AUM) fee. To many investors, a 1% fee sounds trivial especially when the stock market is up. How much is a 1% fee when we convert it to dollars? A client with $1 million in assets will pay $10,000 per year. At $2 million, the fee doubles to $20,000, $3 million is $30,000, and so on. The more you make, the more they take year after year! Some investors don't take the time to review their statements for fees or ask their advisor to calculate the dollar amount they pay for their services. We've seen advisors charge as much as 2% per year!

Always do the math! Quick calculation:

Your assets multiplied by .01 = Your advisory fee based on 1%.

Our $9,000 annual flat fee includes asset management and retirement planning.

Clarity's annual advisory fee of $9,000 is billed in arrears at $2,250 per quarter to your designated investment account(s). Please note that corporate retirement plans such as a company 401(k) or cash balance plan may pay more than $9,000 annually.

Client accounts are held with Charles Schwab & Co., Inc.



We do not have a required asset minimum.



Where does your current advisor's annual fee rank on this chart? 

If you don't know, you owe it to yourself to find out.

The annual asset-based fees used in the chart and calculations below are from the AdvisoryHQ study, "Average Financial Advisor Fees and Costs 2023 Report." 


Invest wisely!

Anyone can call themselves a Financial Advisor and give you advice. 

Chartered Financial Analyst CFA® and Certified Financial Planner CFP® are the two primary designations for financial professionals. 

Anyone can pass a securities exam and call themselves a "Financial Advisor" or a "Financial Planner". You wouldn't go to a physician who didn't have the appropriate education and credentials, would you? Then why would you place your financial assets (i.e., your retirement savings) with someone, a salesperson, who didn't take the time to complete advanced designations related to asset management and financial planning? Ideally, you wouldn't. Unfortunately for investors, there are many talented "salespeople" out there making empty promises and baseless market predictions who won't be able to provide you with the professional financial guidance and investment recommendations offered by a credentialed, fiduciary wealth advisor. Meet our Credentialed Fiduciary Wealth Advisors


The Fee-Based Advisor: Don't get caught in this very expensive trap!

Many financial advisors are "fee-based" advisors, dually registered with a registered investment adviser (RIA) firm and a broker-dealer. This means they are able to collect a 1% AUM advisory fee as an RIA and accept sales commissions and hidden fees embedded in the investment products they may sell to you through their broker-dealer. Look for hidden sales commissions and fees in some annuities, mutual funds, and non-publicly traded real estate investment trusts. Fee-based advisors have an incentive to sell these products to you as sales commissions can easily add an additional 2 - 8% to the advisor's compensation, in addition to ongoing revenue from advisory fees. To avoid this conflict of interest, work with a "fee-only" fiduciary advisor. Fee-only, fiduciary advisors do not recommend investments with sales commissions or hidden fees. Their only form of compensation is the advisory fee they collect from their clients for their asset management and financial planning services. Clarity Capital Advisors is a fee-only, fiduciary registered investment adviser (RIA) firm.




FACT: High advisor fees counteract the use of low-cost investments

We see financial advisors touting low-cost exchange traded funds (ETFs) and mutual funds or a low-cost investment strategy while charging their clients 1% or a tiered percentage asset-based fee. This defeats the purpose of a low-cost investment strategy! With historically high market valuations and low interest rates contributing to lower future investment returns, wise investors do all they can to control investing costs. One of the easiest ways to do this is to avoid using a financial advisor who charges you an annual advisory fee based on a percentage of the assets you place with them to manage. The good news is that you now have a viable alternative to high-cost advisors that requires no sacrifice in the level of service received, Clarity Capital Advisors.


  • How are we able to charge such low fees compared to other firms?

    We've cut out the middleman.

    Our fees are based on our firm's costs and reasonable compensation for a credentialed financial professional to provide you with asset management and financial planning services. As an independent, fee-only, SEC registered investment adviser (RIA) firm, we have 100% control over our operating costs compared to financial advisors who are employees of other firms. By keeping our costs low for advertising and office space, and placing our capital in areas that make us more efficient, we are able to pass the savings directly to you.

    Unlike other financial advisors who are employees of financial firms (i.e., banks, brokerage firms, broker/dealers, other RIA firms, or insurance companies), we do not give a portion of our income to an employer. Some so-called "independent firms" outsource their asset management and back office duties to a turnkey asset management platform (TAMP), a robo-advisor firm, or another firm such as LPL (the middleman). Many of these financial firms and service providers take a portion of an advisor's income based on a percentage of the assets the advisor holds with the firm or service provider. This is why many investors are charged assets under management (AUM) percentage (e.g.,1%) fees.

    This is how it works.

    Let's assume you have $1 million invested with a firm that is charging you 1% per year. Your fee is $10,000 annually. When the fee is deducted from your accounts, the middleman firm (your advisor's employer) may take anywhere between 50 - 80% of the $10,000 fee and leave your advisor with a fraction of the fee as compensation. The amount your advisor receives is called a "payout" and it's normally a percentage of the fee the firm collects. The $5,000 - $8,000 of your money may go towards the firm's advertising (we see a lot online and in TV commercials), providing your advisor with a posh office in a nice location, company parties, etc. If you are working with a "fee-based advisor" (a fee and sales commission advisor) at one of the larger firms, some independent firms, an insurance company, or a bank investment program, plan on being sold investments with a sales commission and some hidden 12b-1 fees on top of the 1%. That's if the additional sales commissions and fees are even disclosed to you.

    Not sure how much you are paying in dollars? Ask us about our complimentary fee analysis.

    5 Myths About Low-Cost Advisors...

  • Are you paying a financial advisor 25% of your retirement income?

    Note: An advisor's fee is in addition to (not included in) your retirement income calculations. 

    Over time, high asset-based, percentage fees can cause people to work longer and rob retirees of a significant portion of their retirement income every year.

    Example: You have accumulated $1 million in retirement assets, a 4% withdrawal rate would be $40,000 per year and the advisor's 1% fee would be an additional $10,000 per year or 25% of your retirement income. Now let's assume that you have $2.5 million for retirement and you are withdrawing 4%. That's $100,000 per year and your advisor's 0.88% fee is an additional $22,000 per year. This would equate to 22% of your income. At $5 million in assets your 4% withdrawal would be $200,000 and your advisor's 0.84% fee is an additional $42,000 per year or 21% of your income. At $7.5 million in assets your 4% withdrawal rate or $300,000 and your advisor's 0.77% fee is an additional $57,750 per year or 19% of your income.

    (The annual asset-based fees used in the calculations are from the AdvisoryHQ study, "Average Financial Advisor Fees and Costs 2023 Report.")

     Ask your advisor, "What is the actual dollar amount I am paying?" Then ask yourself, "WHY"?




Q: We are currently with another financial advisor and pay much more than $9,000 per year. How can we work with Clarity Capital Advisors to reduce our advisory fees?


A: We work with clients nationwide. Please give us a call at 800-345-4635.

Many financial advisors require their new clients to liquidate their existing investments to move into the advisor's recommended investments and asset allocation. We recognize that while this may be convenient for the advisor, it may be expensive from a tax standpoint for investors with significant embedded capital gains. Assuming your investments align with your financial goals, ask us how we can manage your existing investment accounts and incorporate our retirement planning services for one flat annual fee.


We do not hold any client assets. Your accounts will be held with Charles Schwab & Co. Inc. If your accounts are currently held with Schwab you will simply sign one Limited Power of Attorney (LPOA) form via DocuSign for each account you would like us to manage. The LPOA form limits our access to your accounts to the purchase and sale of securities and the authorization to debit our advisory fee from your designated account(s).

If your accounts are not held with Schwab, we will provide you with new account documents via DocuSign to make the transition as seamless as possible. To facilitate the transfer we will need a copy of your most recent account statement(s). Please be advised that your accounts will transfer with the investments you currently hold so you do not have to worry about being out of the market during this process. The transfer time from most firms to Schwab is approximately 7-10 business days. Your prior advisor's firm may charge a small one-time transfer fee per account.