# Clarity Retirement & Wealth, LLC > Clarity Retirement & Wealth, LLC is an SEC-registered investment advisory firm in New Bedford, MA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 14, 2026. - CRD: 337718 - Filed as: CLARITY RETIREMENT & WEALTH, LLC - Registration: SEC-registered investment adviser (status as filed: Approved) - Location: New Bedford, MA - Filing period: October 2026 - Form ADV filing dated: January 14, 2026 - SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/337718 - AdvisorCensus page: https://advisorcensus.com/firm/clarity-retirement-and-wealth-llc-new-bedford-ma-337718 ## Quick answers **How is Clarity Retirement & Wealth, LLC compensated?** On its Form ADV (Item 5.E, October 2026), Clarity Retirement & Wealth, LLC reports these compensation arrangements: a percentage of assets under its management. **How much does Clarity Retirement & Wealth, LLC charge?** Its Form ADV Part 2A brochure dated January 14, 2026 states: Up to $3,000,000: 1% a year; $3,000,000 to $6,000,000: 0.85% a year; $6,000,000 to $10,000,000: 0.5% a year; Above $10,000,000: 0.35% a year. Fees can differ by service and may be negotiable; the brochure is the complete statement. **Where is Clarity Retirement & Wealth, LLC located?** Clarity Retirement & Wealth, LLC's principal office is in New Bedford, MA, according to its Form ADV. **Is Clarity Retirement & Wealth, LLC registered with the SEC or a state?** Clarity Retirement & Wealth, LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 337718. **How much does Clarity Retirement & Wealth, LLC manage?** Clarity Retirement & Wealth, LLC reports $139,547,607 in regulatory assets under management in its Form ADV filing dated January 14, 2026 (100% discretionary). **What types of clients does Clarity Retirement & Wealth, LLC serve?** By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (231); high net worth individuals (98). **Which custodians does Clarity Retirement & Wealth, LLC use?** Clarity Retirement & Wealth, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets. **Does Clarity Retirement & Wealth, LLC report any disciplinary disclosures?** Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/337718 **Does Clarity Retirement & Wealth, LLC state an account minimum?** Its Form ADV Part 2A brochure dated January 14, 2026 says: "We do not require a minimum amount of assets to open and maintain an advisory relationship." **What changed in Clarity Retirement & Wealth, LLC's recent Form ADV filings?** In the February 2026 filing data: Regulatory assets under management went from $0 to $139,547,607. Employees performing advisory functions went from 1 to 2. ## From the Form ADV filing ### Compensation (Item 5.E) - A percentage of assets under your management ### Fees and minimums (Form ADV Part 2A brochure dated January 14, 2026) - Up to $3,000,000: 1% a year - $3,000,000 to $6,000,000: 0.85% a year - $6,000,000 to $10,000,000: 0.5% a year - Above $10,000,000: 0.35% a year > For portfolio management services, Clarity charges an annual fee based on the following blended fee schedule: Billable Assets Under Management Annual Fee First $3,000,000 1.00% Next $3,000,000 0.85% Next $4,000,000 0.50% Over $10,000,000 0.35% - Account minimum: None > We do not require a minimum amount of assets to open and maintain an advisory relationship. As stated in the firm's brochure. Fees can differ by service and may be negotiable. ### Custodians (Schedule D, Section 5.K(3)) - Charles Schwab & Co., Inc. Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian. ### Regulatory assets under management (Item 5.F) - Total: $139,547,607 - Discretionary: $139,547,607 - Non-discretionary: $0 ### Clients (Item 5.D) | Client type | Clients | Assets | | --- | --- | --- | | Individuals (other than high net worth individuals) | 231 | $48,299,110 | | High net worth individuals | 98 | $91,248,497 | | Banking or thrift institutions | 0 | $0 | | Investment companies | 0 | $0 | | Business development companies | 0 | $0 | | Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 | | Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 | | Charitable organizations | 0 | $0 | | State or municipal government entities (including government pension plans) | 0 | $0 | | Other investment advisers | 0 | $0 | | Insurance companies | 0 | $0 | | Sovereign wealth funds and foreign official institutions | 0 | $0 | | Corporations or other businesses not listed above | 0 | $0 | ### Advisory services (Item 5.G) - Portfolio management for individuals and/or small businesses - Portfolio management for businesses (other than small businesses) or institutional clients - Selection of other advisers (including private fund managers) ### Firm details - Registered since: 2025 (1 year) - Employees: 2 total, 2 performing advisory functions - Wrap fee program participation: No - States registered or notice-filed: FL, MA, NH, RI - Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11. ### Websites listed on Form ADV (Item 1.I) - [clarityrw.com](https://clarityrw.com) - Facebook @ClarityRW1 - LinkedIn @clarity-retirement-and-wealth ## Changes in the filing (last 12 months) ### February 2026 - Regulatory assets under management went from $0 to $139,547,607. - Employees performing advisory functions went from 1 to 2. ### December 2025 - Newly registered with the SEC. ## Source Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Clarity Retirement & Wealth, LLC (CRD 337718): Form ADV filing data as of October 2026.