# Clear Retirement Advice LLC

> 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.

- CRD: 292667
- Filed as: CLEAR RETIREMENT ADVICE LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Mateo, CA
- Filing period: October 2026
- Form ADV filing dated: March 9, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/292667
- AdvisorCensus page: https://advisorcensus.com/firm/clear-retirement-advice-llc-san-mateo-ca-292667

## Quick answers

**How is Clear Retirement Advice LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Clear Retirement Advice LLC reports these compensation arrangements: fixed fees (other than subscription fees).

**How much does Clear Retirement Advice LLC charge?**
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.

**Where is Clear Retirement Advice LLC located?**
Clear Retirement Advice LLC's principal office is in San Mateo, CA, according to its Form ADV.

**Is Clear Retirement Advice LLC registered with the SEC or a state?**
Clear Retirement Advice LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 292667.

**How much does Clear Retirement Advice LLC manage?**
Clear Retirement Advice LLC reports $153,400,000 in regulatory assets under management in its Form ADV filing dated March 9, 2026 (100% discretionary).

**How have Clear Retirement Advice LLC's assets and staff changed since 2025?**
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.

**What types of clients does Clear Retirement Advice LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (47); individuals (other than high net worth individuals) (9).

**Which custodians does Clear Retirement Advice LLC use?**
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.

**Does Clear Retirement Advice 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/292667

**Does Clear Retirement Advice LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 9, 2026 says: "There is no account minimum for any of Clear’s services."

**What changed in Clear Retirement Advice LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $108,156,980 to $153,400,000 (+42%).

## From the Form ADV filing

### Compensation (Item 5.E)
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 9, 2026)

- Account minimum: None

> There is no account minimum for any of Clear’s services.

- Flat fee: $7,000 (creating client financial plans)

> When Financial Planning Services are provided separately, the negotiated fixed rate for creating client financial plans is up to $7,000.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Altruist Financial LLC
- 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: $153,400,000
- Discretionary: $153,400,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 9 | $10,500,000 |
| High net worth individuals | 47 | $142,900,000 |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2025 (1 year)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- clearretirementadvice.com
- retirementplannersanmateo.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $108,156,980 | 1 | March 23, 2025 |
| October 2026 | $153,400,000 | 1 | March 9, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $108,156,980 to $153,400,000 (+42%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Clear Retirement Advice LLC (CRD 292667): Form ADV filing data as of October 2026.