Clarity Financial is a registered investment advisor based in Columbia, Missouri, founded by Timothy M. Sullivan in 2011. Clarity Financial specializes in providing fee-only comprehensive financial planning and investment management services to individuals, families, and small businesses. The firm takes a holistic approach, covering retirement planning, tax planning and preparation, insurance reviews, estate planning assistance, debt management, and real estate investment analysis. Clarity Financial does not sell products or accept commissions, operating entirely on a fee-only basis to avoid conflicts of interest. When providing retirement advice, Clarity Financial is legally required to act in your best interest. Clients can choose between ongoing wealth management engagements that bundle planning and portfolio oversight, one-time financial health reviews, or project-based hourly consulting.
Fee Structure
Clarity Financial charges an annual fixed fee for ongoing wealth management engagements that combine comprehensive financial planning and investment management:
- Initial Year Fee — Ranges from $4,000 to $40,000, depending on your income, assets, financial complexity, and services needed.
- Billing — Charged quarterly in advance.
- Changes — Fees generally do not change during a term unless significant life events occur, such as handling an unexpected inheritance.