FINANCIAL CLARITY FOR
WHAT MATTERS MOST
Your financial situation is unique and ever-changing
Our goal is to be your trusted guide—planning purposefully, investing wisely, and helping you make confident financial decisions to build a legacy that reflects what matters most.
/ HOW WE CAN HELP /
/ OUR SERVICES /
Our goal is simple, give our clients financial guidance with the highest standards of care and integrity.
/ CLIENTS /
The right advisor makes all the difference.
Financial planning is a long-term relationship—not a transaction. That’s why finding the right fit is so important. You deserve to work with someone you trust, respect, and feel comfortable turning to throughout life’s financial decisions.
To help you decide, we’ve identified three key questions to help you determine if we’re the right fit for your journey.
IF THOSE IDEAS ALIGN WITH YOUR VALUES, LET‘S TALK.
We’d be honored to learn more about your goals and explore how we might support you—no pressure, just a genuine conversation about your future.
/ YOUR PRINCIPLE FINANCIAL PLANNER /
CLAYTON PHILLIPS, CFP®, OWNER, FINANCIAL PLANNER
At Clarity Financial, we believe that financial planning is a lifelong process—not a one-time product. It’s about allocating your limited financial resources in a way that aligns with your goals, values, and the things that matter most. Whether you're planning for retirement, giving generously, building a legacy, or simply seeking clarity in your financial decisions, we’re here to walk alongside you with thoughtful, long-term guidance.
To us, caring service isn’t just a phrase—it means being available for meaningful conversations, offering proactive guidance, and delivering clear, reliable follow-through. We aim to build relationships marked by trust, transparency, and shared purpose, helping you feel confident through every financial season.
Clarity Financial, L.L.C. is a fee-only financial planning firm with an ongoing mission to provide independent and objective financial advice of the highest standard. We do not sell products or accept commissions, so our only focus is on what serves your best interest. We specialize in working with individuals and families who are not just interested in growing their wealth, but in using it wisely—to give back, create generational impact, and live with intention.
We approach each client relationship with deep care, listening closely to understand your story, your priorities, and your financial trajectory. Whether you're navigating retirement, inheritance, charitable giving, or business transitions, we offer personalized guidance rooted in integrity, clarity, and long-term perspective.
Financial planning can be difficult
Let us bring some clarity to your financial life.
LET’S START WITH A CONVERSATION
Whether you're looking for guidance, clarity, or simply a second opinion, we’re here to help. Together, we’ll explore your financial goals and see if we’re the right fit for the path ahead.
Retirement
Inheritance
Investment Management (IRAs, Roth IRAs, Trust Accounts, Brokerage)
Retirement Account Distributions
Small Business Retirement Plans (Solo 401k, SEP IRA, SIMPLE Plan)
Income and Capital Gains Tax Planning
Charitable Giving from Retirement Accounts and Investments
Social Security Considerations
Endowment Management
College Saving and Student Loan Considerations
Insurance & Risk Management Considerations
Estate Plan Considerations
Coordination with Professionals, Accountants, and Attorney’s.
Planning for What Matters Most
We offer guidance across a wide range of financial planning topics to help you make informed decisions with clarity and confidence. Whether you're preparing for retirement, managing inherited wealth, or optimizing your investments through IRAs, Roth IRAs, trusts, or brokerage accounts—we’re here to walk with you.
Strategic Giving, Retirement Income & Tax Planning
We assist with retirement account distributions, small business retirement plans like Solo 401(k)s, SEP IRAs, and SIMPLE plans, as well as income and capital gains tax strategies. We can also help you explore charitable giving opportunities from your investment or retirement accounts, Social Security timing, and endowment management.
Supporting Your Family & Legacy
For families, we offer support with college savings plans and student loan considerations. We’ll work with you to evaluate insurance needs, estate planning strategies, and coordinate with your accountant, attorney, or other professionals to ensure every piece of your financial picture works together with purpose.
THE PROCESS
1: SCHEDULE A VISIT
We'll walk the shop, have a conversation, see if we're on the same page and decide if it makes sense to continue our conversation.
2: PLANNING MEETING
We'll discuss your dreams and why they are important to you. We'll then begin assembling your strategy to help achieve them. This step includes a free portfolio review.
3: STRATEGY DELIVERY
You'll receive your custom-built retirement strategy and we'll start moving you closer to your goals.
WHO WE ARE
INDEPENDENT
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
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.
FIDUCIARY
Just a fancy way of saying we must always act in the best interest of our clients. This may seem obvious, but the vast majority of “financial advisors” are not held to this standard. This is the “golden-rule” of financial advising.
CLAYTON PHILLIPS, CFP®, OWNER, FINANCIAL PLANNER
We believe that financial planning is a process, not a product, and that it’s the allocation of limited financial resources to unlimited alternatives.
To us, caring service means meaningful conversations, proactive guidance and clear follow-through.
Clarity Financial, L.L.C. is a fee-only financial planning firm with an ongoing mission to provide independent and objective financial advice of the highest standard.
ARE WE A GOOD FIT FOR YOU?
WHAT KIND OF ENGAGEMENT ARE YOUR LOOKING FOR?
It’s more of a marathon than a race, a process and not a product. 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.