If you’ve ever opened an account with Clarity Wealth, you’ve probably seen the name J.W. Cole and wondered:

“Who are they—and why are they involved in my finances?”

You’re not alone. It’s a question we get often, and it’s a great one.

Here’s the answer in plain English—and why it matters for your peace of mind.

J.W. Cole: Our Oversight Partner

J.W. Cole serves as both our broker-dealer and registered investment advisor. That might sound like industry jargon, but think of them like the compliance guardrails that make sure everything we do stays ethical, legal, and in your best interest.

They look over our shoulder—not just once in a while, but constantly.

When you send money to fund your account, it never comes to Clarity Wealth directly.
Instead, it flows through National Financial Services (NFS)—a Fidelity platform—via J.W. Cole. That chain of custody ensures added security and clarity for every transaction.

Keeping Us—and Your Investments—on Track

J.W. Cole does more than shuffle paperwork.

Let’s say you’re a conservative investor who wants to leave money to your children. If we were to turn around and put your entire portfolio into high-risk AI stocks, J.W. Cole would intervene—and quickly. They’d ask us to explain why the investment didn’t align with your stated goals and risk tolerance.

It’s their job to prevent any mismatched advice or questionable behavior.
Even when we’re sending funds on your behalf, they require documentation and consistent rationale for anything out of the ordinary. They are not passive. They’re deeply involved in oversight, and we welcome that scrutiny.

Why We Work With Them

Based in Tampa, J.W. Cole supports hundreds of firms across the country—but they hold each one to the same high standard. That includes us.

We chose to work with J.W. Cole because they help us protect you.

They aren’t just a middleman. They’re a partner in our mission to deliver thoughtful, trustworthy financial planning—within the boundaries of regulation and accountability.

Bottom Line

We don’t mind being watched.
In fact, we pay J.W. Cole to do just that—because it gives you confidence that we’re always operating in your best interest.

So, when you work with Clarity Wealth—whether it’s myself, Matt, Stephen, or Caleb—you can rest easy knowing there’s another layer of protection behind the scenes.

That’s who J.W. Cole is.
Now you know—and now you know why it matters.