Ria Advisors

**Background and Expertise:** Clarity Financial, LLC, operating as RIA Advisors, has been an investment advisor since 2009. As of December 31, 2024, the firm managed $1,530,453,633 in client assets. The principal owners are Connie Mack, Richard Rosso, Lance Roberts, and James Daniel Ratliff. RIA Advisors specializes in fee-based investment advisory services, managing investment advisory accounts, and providing financial planning services. **Consumer-Facing Terms:** - Minimum Initial Investment: The firm requires a $15,000 account minimum, which may be waived at its discretion. - Fee Structure: Advisory fees are based on a percentage of assets under management, ranging from 0.90% to 1.25% based on the client's net asset value. - Fiduciary Status: RIA Advisors acts as a fiduciary, providing retirement plan sponsors with investment advisory and management services. - Investment Discretion: The firm typically manages client accounts on a discretionary basis, allowing for rapid changes in allocations and investments as needed. **Advisory Business Description:** RIA Advisors offers asset management services, financial planning covering budgeting, investment planning, risk analysis, income tax planning, and estate planning. The firm provides three categories of financial planning services: RIA Goal Horizons, RIA Comprehensive Strategy, and RIA Custom. Additionally, RIA Advisors may act as a subadviser to unaffiliated advisers and provide plan services for tax-qualified employee retirement plans. **Investment Strategies and Methods of Analysis:** The firm employs fundamental and technical analysis, value investing, and modern portfolio theory in its investment strategies. RIA Advisors may also recommend alternative investments and securities-backed lines of credit, with a focus on managing risk and avoiding permanent declines in clients' investments. This summary provides an overview of RIA Advisors' background, expertise, consumer-facing terms, advisory business description, and investment strategies.