{
  "crd_number": 292667,
  "slug": "clear-retirement-advice-llc-san-mateo-ca-292667",
  "primary_business_name": "CLEAR RETIREMENT ADVICE LLC",
  "legal_name": "CLEAR RETIREMENT ADVICE LLC",
  "dbas": [],
  "city": "San Mateo",
  "state": "CA",
  "country": "United States",
  "cbsa_code": "41860",
  "metro": {
    "cbsa_code": "41860",
    "common_name": "San Francisco",
    "msa_name": "San Francisco-Oakland-Fremont, CA",
    "path": "/advisors/ca/san-francisco"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2025-04-22",
  "years_registered": 1,
  "period": "2026-10-01",
  "filing_date": "2026-03-09",
  "carried_forward": false,
  "raum_total": 153400000.0,
  "raum_discretionary": 153400000.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 1,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 10500000.0,
      "count": 9
    },
    "high_net_worth_individuals": {
      "raum": 142900000.0,
      "count": 47
    }
  },
  "compensation_types": [
    "fixed"
  ],
  "advisory_activities": [
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA"
  ],
  "websites": [
    "https://clearretirementadvice.com",
    "https://retirementplannersanmateo.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/292667",
  "city_as_filed": "SAN MATEO",
  "url": "https://advisorcensus.com/firm/clear-retirement-advice-llc-san-mateo-ca-292667",
  "display_name": "Clear Retirement Advice LLC",
  "summary": "Clear Retirement Advice LLC is an SEC-registered investment advisory firm in San Mateo, CA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 9, 2026.",
  "citation": "AdvisorCensus. Clear Retirement Advice LLC (CRD 292667): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Clear Retirement Advice LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Clear Retirement Advice LLC reports these compensation arrangements: fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Clear Retirement Advice LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated March 9, 2026 states: Flat fee: $7,000 (creating client financial plans). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Clear Retirement Advice LLC located?",
      "a": "Clear Retirement Advice LLC's principal office is in San Mateo, CA, according to its Form ADV."
    },
    {
      "q": "Is Clear Retirement Advice LLC registered with the SEC or a state?",
      "a": "Clear Retirement Advice LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 292667."
    },
    {
      "q": "How much does Clear Retirement Advice LLC manage?",
      "a": "Clear Retirement Advice LLC reports $153,400,000 in regulatory assets under management in its Form ADV filing dated March 9, 2026 (100% discretionary)."
    },
    {
      "q": "How have Clear Retirement Advice LLC's assets and staff changed since 2025?",
      "a": "In the Form ADV data for Clear Retirement Advice LLC: Regulatory assets under management: $108,156,980 in the October 2025 data and $153,400,000 in the October 2026 data, up 42%. Total employees: 1 in October 2025 and 1 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Clear Retirement Advice LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (47); individuals (other than high net worth individuals) (9)."
    },
    {
      "q": "Which custodians does Clear Retirement Advice LLC use?",
      "a": "Clear Retirement Advice LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Altruist Financial LLC and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Clear Retirement Advice LLC report any disciplinary disclosures?",
      "a": "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/292667"
    },
    {
      "q": "Does Clear Retirement Advice LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 9, 2026 says: \"There is no account minimum for any of Clear’s services.\""
    },
    {
      "q": "What changed in Clear Retirement Advice LLC's recent Form ADV filings?",
      "a": "In the April 2026 filing data: Regulatory assets under management went from $108,156,980 to $153,400,000 (+42%)."
    }
  ],
  "filing_history": [
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 108156980.0,
      "total_employees": 1,
      "filing_date": "2025-03-23"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 153400000.0,
      "total_employees": 1,
      "filing_date": "2026-03-09"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $108,156,980 to $153,400,000 (+42%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 9, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $7,000 (creating client financial plans)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "There is no account minimum for any of Clear’s services."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $7,000 (creating client financial plans)"
        ],
        "quotes": [
          "When Financial Planning Services are provided separately, the negotiated fixed rate for creating client financial plans is up to $7,000."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": 7000.0,
          "min": null,
          "max": null,
          "period": "one_time",
          "service": "creating client financial plans"
        }
      ]
    },
    "quotes": [
      "There is no account minimum for any of Clear’s services.",
      "When Financial Planning Services are provided separately, the negotiated fixed rate for creating client financial plans is up to $7,000."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Altruist Financial LLC",
      "name_as_filed": "ALTRUIST FINANCIAL LLC",
      "affiliated": false
    },
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/clear-retirement-advice-llc-san-mateo-ca-292667.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 9,
      "fewer_than_5": false,
      "raum": 10500000.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 47,
      "fewer_than_5": false,
      "raum": 142900000.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/292667",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}