Financial & Retirement Planning
We are committed to helping you turn your financial dreams into reality. Our process is designed to provide you with a strategy that connects your present financial situation to your future goals so you can rest easy knowing you are on track.
We look forward to partnering with you to help you realize your dreams by taking control of your finances with confidence.
Investment Management
You and your family work hard to accumulate assets over a lifetime. The goal is that, when the time comes for you to leverage those assets, they’ll be there so you have the freedom to enjoy life.
Investment management, aka asset management, is about helping you achieve your goals using a prudent and conscientious approach. However, not everyone has the time to monitor and manage those assets. And even if you do have the time, you may not have the desire or patience to do so.
If you don't manage your assets diligently over your accumulation phase, you could leave them exposed to erosion, destruction or depletion. The result: You might not have those assets (or a significant portion of them) in times of need. We're here to help.
Business Retirement Plans
Our team specializes in designing, implementing and managing retirement plans for businesses of all sizes. Whether you're starting a new plan, managing a large one or looking to improve an existing plan, we can help.
We'll work closely with you to design a plan that meets the needs of your business and employees, and take care of all the details. Our team's expertise and experience ensure that your plan runs smoothly and efficiently.
Typical plans we help to implement and manage include:
- 401(k) Plans
- Safe-Harbor 401(k) Plans
- 401(k) Profit Sharing Plans
- Age-Weighted/Comparability Profit Sharing Plans
- Defined Benefit Pensions
- Owner Only/One-Person 401(k) Plans
- Profit Sharing Plans
- Simplified Employee Pensions (SEPs)
- SIMPLE IRAs
- Third-Party Administration (TPA) Partnership
Social Security Analysis
Maximize Your Social Security Benefits with Expert Guidance
When and how you claim Social Security can have a lasting impact on your retirement income. With hundreds of possible claiming strategies—and limited do-overs—getting it right the first time matters.
At Clarity Wealth, we offer professional Social Security analysis through as a Registered Social Security Analyst® (RSSA®). This specialized credential, featured in Kiplinger, equips our team to help you evaluate your options and avoid costly mistakes.
What Does a Registered Social Security Analyst® (RSSA®) Do?
An RSSA® is trained to analyze over 500 Social Security claiming strategies. They assess your unique circumstances—your age, income sources, marital status, and retirement timeline—to provide personalized recommendations that align with your financial goals.
Key Questions We Help You Answer
- When should I start Social Security?
- Early? At full retirement age? Or wait until 70? We’ll model the impact of each option.
- How do I coordinate with a spouse’s benefits?
- Timing matters. We help married couples explore spousal and survivor strategies.
- Will my benefits be taxed?
- Yes—potentially. We’ll show how your total income affects benefit taxation.
- What if I keep working in retirement?
- We’ll help you understand earnings limits and how they affect your payments.
- What if I’m divorced or widowed?
- We’ll review your eligibility for auxiliary benefits and how to claim them.
Why Choose Clarity Wealth for Social Security Planning?
Our team integrates Social Security analysis with full financial planning. That means your claiming decision isn’t made in a vacuum—it’s part of a complete retirement strategy that considers taxes, income sources, longevity, and lifestyle goals.
You’ve contributed to Social Security your entire career. Now it’s time to make the most of it—with confidence.
Schedule Your Social Security Review Today
Want to explore your options before making a decision? Let’s talk.
Tax Planning
Without intentional planning, it’s possible to have a higher tax bill in retirement than as a working professional. Our tax planning services aim to help you keep more of your hard-earned money to use towards your dreams.
Tax planning involves evaluating the following opportunities on a regular basis:
- Tax Return Analysis. Click here to view a sample Tax Return Analysis
- Roth Converstions
- Coordination & Timing of Income Streams (e.g. Pension, Social Security, Required Minimum Distributions, etc.)
- Asset Location
- Charitable Giving Strategies
We stay up-to-date with the dynamic nature of tax laws to ensure you are take advantage of every opportunity.
Estate Planning
With a financial plan in place, we will help you connect this stage of your life with the next. We work with you and your team of advisors to help you piece together a cohesive and comprehensive plan.
If needed, we can help quarterback the creation of your estate planning so your wealth and legacy transfer the way you want them to.
Insurance Planning
Your financial plan can be quickly derailed without the proper insurance coverage. Insurance planning involves identifying solutions that protect what you value the most.
We perform a comprehensive insurance analysis to ensure you have the policies you need. We can also help you safely unwind insurance policies that don’t provide you value.
The most common insurance policies that we evaluate include:
- Life Insurance
- Long Term Care Insurance - One of the largest spending shocks facing a retired household is the need to pay for ongoing long-term care. A retirement plan must account for this risk to help control the impacts of long-term care costs on family wealth.
- Medicare - This is the most important source of health insurance for retirees, and it requires numerous decisions regarding whether to use Original Medicare or a Medicare Advantage Plan, whether to use a Medicare Supplement with Original Medicare, and how to obtain prescription drug coverage.
- Auto & Home Insurance
- Health Insurance
- Umbrella Insurance
- Disability Insurance
- Identity Theft Protection
