Guiding Your Financial Journey with Clarity and Confidence

In today's complex world, managing your wealth effectively requires more than just investment advice. It demands a dedicated partner who understands your unique goals, values, and concerns. Total Clarity Wealth Management was founded on a simple principle: to provide comprehensive, objective financial guidance that empowers clients to navigate their future with confidence.

Our mission is to serve as your financial "CFO," bringing all the pieces of your financial life together into one cohesive strategy. We work with individuals, families, and business owners, helping them organize, protect, and grow their wealth through a disciplined and collaborative process.

 

Our Philosophy: A Partnership Built on Your Best Interests

Our relationship with you is the cornerstone of our practice. We believe financial planning is a journey, not a destination, and we are committed to walking alongside you every step of the way. Our approach is guided by three core principles:

A Fiduciary Commitment

As fiduciaries, we are legally and ethically bound to act in your best interest. This duty is the foundation of our firm and means our advice is always objective. By putting your interests first, we build a strong partnership and keep your unique goals at the forefront of every recommendation we make.

A Holistic, 360-Degree View

Your financial life is interconnected. A decision about investments can impact your tax situation, and a business transition plan can affect your estate. We believe in the importance of looking at the complete picture. Our team collaborates to coordinate your investment strategy, tax planning, risk management, and legacy goals so they are all working in harmony. This comprehensive approach helps identify opportunities and avoid costly oversights.

A Disciplined Approach Centered On Your Goals

We believe a successful investment strategy is one that is deeply integrated with your personal financial plan. Our approach is centered on a thoughtful and disciplined process, avoiding speculation and attempts to time the market. We work with you to construct a tax-efficient portfolio that is carefully aligned with your specific risk tolerance and designed to support your most important long-term objectives.

Frequently Asked Questions

  • Who do you typically work with?

    We are proud to work with a wide variety of individuals, families, and businesses. Our clients often include young professionals establishing their financial footing, growing families juggling multiple goals, successful business owners, and those nearing or enjoying a confident retirement. 

    While their circumstances may differ, the common thread is a desire to be proactive and strategic with their finances. Ultimately, our best partnerships are with people who value professional guidance and are looking for a long-term relationship built on trust.

  • What does it mean that your firm is a "fiduciary?

    Being a fiduciary means we are legally and ethically obligated to act in your best interest at all times. This is the highest standard of care in the financial industry. Our advice and recommendations are based solely on what is best for you and your financial goals, not on commissions or selling proprietary products. This structure ensures our interests are always aligned with yours.

  • My financial life feels scattered. How do you help bring it all together?

    This is one of the most common challenges we help clients solve. Our role is to bring all the pieces of your financial life together. Our process begins with helping you organize everything—investments, insurance, estate documents, and tax information—into one clear picture. From there, we collaborate with your existing team of professionals, like your CPA and attorney. Our aim is to coordinate efforts so that every decision is made with a full understanding of its impact on your overall strategy.

  • How do you integrate tax planning with investment management?

    We believe that investment management and tax strategy should never be separate conversations. A portfolio's performance is ultimately what you keep after taxes. As part of our ongoing portfolio management, we look for opportunities to improve your potential after-tax returns. This includes applying tax-aware strategies like strategically locating assets in the most appropriate accounts and identifying opportunities to offset gains with losses. By viewing your investments through a tax-sensitive lens, we aim to create a more cohesive and effective long-term strategy.

  • How is your firm compensated?

    Transparency about our compensation is a cornerstone of the trust our clients place in us. As a fee-based firm, our compensation structure is designed to be flexible to meet your specific needs. This means we are compensated in two primary ways:

    Fees for Advisory Services: For our comprehensive financial planning and ongoing investment management, we typically charge a fee based on a percentage of the assets we manage for you. This aligns our success with yours, as we are both focused on the thoughtful growth and protection of your wealth.

    Commissions for Specific Products: Some solutions, particularly insurance policies (like life or long-term care) or certain types of investment products (like mutual funds offered through a broker-dealer), are commission-based. If such a product is determined to be the most suitable option for your situation, the advisor receives a commission from the company that provides it.

    Receiving commissions creates a potential conflict of interest, and we believe it's essential to be upfront about that. However, our commitment is to provide recommendations that are always in your best interest. We will clearly disclose how we are compensated for any recommendation before you ever make a decision, with the goal of helping you make a fully informed choice that you are comfortable with.

  • What can I expect during our first meeting?

    Our initial consultation is a no-obligation "discovery meeting." It’s a chance for us to get to know each other. You can expect a conversation, not a sales pitch. We'll ask you to share your goals, your current financial situation, and what you’re looking for in an advisory relationship. We will explain our philosophy and process in detail. The primary goal is to determine if we are a good fit for each other before moving forward.