Your financial situation is unique.
Our goal is to be your trusted advisor, helping you succeed, as we walk with you through the many stages of your financial life.
We are in it for the long haul.
The highest standard in financial planning.
Early Financial Independence and/or Early Retirement Planning (Specialty)
Social Security Planning
Investment Planning and Management
Socially Responsible Investing
Inheritance Planning and Management
Endowment Planning and Management
College Saving and Student Loan Planning
Small Business Retirement Planning
Who We Are
Why we do what we do.
Being an independent firm means we are not bound to any specific financial institution or their products, and can instead recommend whatever is best for our clients’ specific needs.
Fee-only means we receive no commissions or incentives for recommending any specific investments to our clients. We receive the same compensation regardless of our recommendations. Clients know and see what they pay us for our services. Period.
Just a fancy way of saying we must always act in the best interest of our clients. This may seem obvious, but many “financial advisors” are not held to this standard.
Kyle Mast, CFP®, Owner, Financial Planner
Kyle founded Clarity Financial, LLC to provide independent, fee-only, fiduciary advice of the highest standard to clients and is passionate about removing as much financial uncertainty and stress from his clients’ lives as possible.
Kyle holds the Certified Financial Planner™ designation, widely recognized by the financial advising industry as the highest standard for financial planning, requiring ongoing education and development as a financial professional.
Having been in the industry since 2009, and having worked with individuals, families, businesses, schools, churches, and endowments, Kyle emphasizes the importance of a long-term planning relationship with his clients as he believe this gives them the best possible chance of achieving their financial goals.
Kyle lives just outside Portland, Oregon with his wife, Hannah, and son, Randon.
Are we a good fit for you?
Strap in. We take this part very seriously.
We are in this for the long haul. We are passionate about what we do and thoroughly enjoy working with our clients and building long-term relationships. You deserve to work with an advisor you can truly trust and respect, and who can be a constant guide and resource to you as you move through life. You should only work with an advisor who is an excellent fit for you. We would much rather have you work with an advisor who you feel is the best fit for you, even if it means that it is someone other than us. We have identified three criteria to help you determine whether or not we are the right fit for you.
We work well with those who…
Recognize the importance of financial planning and the incredible impact it can have on their future.
We know, this seems obvious. However, this is foundational for the work we do with our clients. Without this, we have nowhere to start.
Are willing to take action.
Again, perhaps obvious, but we feel very strongly about this. It is you taking action on the plans that we have put in place that will move you toward your goals.
“Vision without action is just a dream. Action without vision just passes the time. Vision with action can change the world.” - Joel A. Barker
Are looking for a professional they can trust to guide them along the way.
In some cases individuals or organizations are more do-it-yourself in nature and feel confident to do their own financial planning, research, self-education, implementation, and monitoring.
This is completely understandable and we encourage those of this nature to do so. Why would you pay us to do something that you feel confident you can do a good job of yourself?
We work best with those who are looking for a professional with expertise and experience to guide them through the intricacies of financial planning and wealth management so that they can focus on other important matters in their life.
You should know exactly what you pay for the value you receive.
No hidden commissions.
No, “I have no idea how my advisor gets paid.”
Standard Ongoing Financial Planning
This is a great option for those serious about ongoing professional financial planning and guidance, ensuring someone knows your financial circumstances well and is there to offer advice through the busyness of life.
$215/month. Minimum of one year commitment.
One-time, initial planning setup fee of $375.
Annual, in-person or web, 60 minute financial planning review meeting.
Includes up to 7 hours total of financial planning advice annually (a typical year may look like: 1 hour annual meeting, 2.5 hours meeting prep, 2.5 hours meeting follow up, 1 hour emails & phone calls throughout the year). Additional planning time will be charged at the current hourly rate of $375/hour.
Regular investment management fee, if any, charged to any investment account(s) that we manage in addition to this financial planning fee (see investment management fee schedule).
$750-$890 /one time
Q&A Financial Planning Session
This is an excellent option for those who are looking for a professional opinion on their plans and situation, but are willing to do the work of implementing their financial plans and investments on their own. This service does not provide full comprehensive planning but is a good option for covering a single financial planning topic, several topics, or a general review of your financial plans.
One time $750-$890 fee depending on complexity (10% of fee is non-refundable to hold the meeting time).
Includes 60-90 minutes of meeting prep, 60-minute meeting (in-person or virtual), and up to 30 minutes of follow up emails and phone calls after the meeting.
Client is required to complete a pre-meeting questionnaire and upload requested documents (tax return, investment statements, pay stubs, etc.) prior to the meeting so that we can make the most of our time. This is a requirement and the meeting will be cancelled if questionnaire and/or all documents are not received within 12 hours before the scheduled meeting time, in which case the client deposit will not be refunded.
If more planning time is required, client may choose to sign up as a Standard Financial Planning client (if there is availability). The Q&A session fees will apply toward the Standard Financial Planning fees if sign up is within 30 days of the Q&A session.
(only offered to ongoing financial planning clients)
Your plan may include investment accounts that you implement yourself or accounts that we implement, manage, and monitor for you, or both.
You can nearly always save money by implementing your investment accounts and strategies yourself. However, for accounts that you choose to have us manage, implement, and monitor for you, the annual fees are as follows and are automatically deducted from the aggregated accounts on a quarterly basis:
0.65% fee on amounts up to $249,999.
0.49% fee on amounts from $250,000 to $499,999.
0.29% fee on amounts from $500,000 to $999,999.
0.19% fee on amounts from $1,000,000 to $1,999,999.
0.15% fee on amounts from $2,000,000 to $4,999,999.
0.09% fee on amounts from $5,000,000 and above.
There are also additional fees on any account not charged by Clarity Financial LLC, including, but not limited to, custodian fees and mutual fund or ETF expense ratios that often range from an additional 0.02% to 0.45% annually. Our policy is to construct portfolios keeping fees as low as possible, to the extent that proper diversification and asset allocation do not suffer, as we believe this is a strong factor in the long-term growth of client investments.
Feel free to send us a message by filling out the form below to be put on our waiting list for an introductory phone call. Please include information on your current financial situation and what you are looking for in working with a financial planner.
The relationship between you and your advisor is a personal one and we believe in developing long-term relationships based on integrity and mutual trust. You will not be pressured with sales tactics or empty promises. We provide professional advice and the introductory phone call will help us determine if we are a good fit for one another.
Main office number: 503-510-3244
Clarity Financial, LLC, PO Box 1457, Wilsonville, OR 97070
South Portland Office (by appointment only):
8655 SW Citizens Drive, #102, Wilsonville, OR 97070