Clarity Investments + Planning LLC

Clarity Investments + Planning LLC is a registered investment adviser founded in December 2008 by Antonia Clearwaters (Annette). The firm offers objective financial advice, including investment management and financial planning, to a diverse clientele regardless of wealth. Clarity's investment philosophy focuses on asset allocation, diversification, and cost minimization. Clients must enter into written agreements with the firm before receiving advisory services. Clarity provides comprehensive financial planning services, including retirement planning, cash flow projections, and debt management. The firm may recommend its own services or those of other professionals but emphasizes that clients have the final decision. For investment management, Clarity offers discretionary asset management primarily through mutual funds and ETFs tailored to individual client needs. The firm is a fiduciary under the Investment Advisers Act of 1940, committed to acting in clients' best interests. Clarity charges fees for financial planning and investment management services based on a percentage of assets under management, with a minimum annual fee of $4,000. The firm does not engage in performance-based fees or side-by-side management. Clarity's President and Chief Compliance Officer, Annette S. Clearwaters, holds a Bachelor of Architecture degree, is a CERTIFIED FINANCIAL PLANNER™ (CFP®), and has no disciplinary history. Annette supervises the firm's operations and staff, ensuring compliance with regulations and ethical standards. Clients are encouraged to review account statements and reports provided by Clarity for transparency and accuracy. For more information, clients can contact Annette S. Clearwaters at (212) 730-7029.