Clarity works with clients to do comprehensive planning that includes all the major areas of personal financial success, including:

• Investments
• Retirement Planning
• Tax Optimization
• Insurance and Risk Management
• Employment Benefits
• Equity Compensation
• Education Saving
• Budgeting and Spending
• Debt Management, Including Student Loans
• Estate Planning
• Long-term Projections

• People of any age and any net worth. No minimums.

• Women, men, LGBTQ+ community members; couples, married or not

• Small business owners

• Tech workers with RSUs, ISOs, NQSOs, ESPPs, and other equity compensation

• People preparing for, or hoping for, retirement—now or later

• Young professionals who want to get off on the right foot toward financial independence and good stewardship of their assets and opportunities

• Couples in new or changing relationships, who have questions about whether and when to marry, how marriage will affect their taxes, how to combine their assets, and how to understand community property.

1. Invest your money for you

Many financial advisors take custody of client assets, invest your money for you, and withhold a percentage as their management fee. If you would like that kind of relationship, I’d be happy to refer you to one of the many good people I know who work that way. But it’s not the way we work.

We do not move your accounts anywhere, and we do not obtain any control over them. We will make recommendations to you about your investments, and can help you implement changes in your accounts if you like, but we never have signature control over your accounts.

2. Produce legal documents

I am not an attorney. If you have an estate plan, I will be happy to review it and make recommendations if I see fit. If you do not have an estate plan, I will tell you what elements I think you should have, and help you take care of some simple tasks you can do yourself. Then, if you like, I can recommend attorneys. But I cannot produce a will or trust or power of attorney document.

3. Sell products

I do not sell insurance, annuities, or anything else. I will review your insurance policies, and discuss risk management needs with you. If I think you should consider purchasing insurance or other products, I will tell you, and you can then consult with your insurance broker or agent. If you don’t already have a relationship with someone, I can recommend insurance professionals I think you will like.

But I never accept commissions, or referral fees, related to insurance or other products you may purchase. My goal is always to help you do whatever is in your best interest. I am compensated only through the fees you pay me.