A. Ownership/Advisory History Clarity Financial Advisors LLC (“Clarity Financial” or the “firm”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The firm is organized as a limited liability company (“LLC”) under the laws of the State of Florida. Clarity Financial was founded in September 2022 and is owned and operated by Trevor K. Shultz (Principal and Chief Compliance Officer) and William A. Root (Principal). This disclosure brochure provides information regarding the qualifications, business practices, and the advisory services provided by Clarity Financial. B. Advisory Services Offered Investment Management Services Clarity Financial provides customized investment advisory solutions for its clients. This is achieved through continuous personal client contact and interaction while providing discretionary investment management and related advisory services. Clarity Financial works closely with each client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. For its discretionary asset management services, Clarity Financial receives a limited power of attorney to effect securities transactions on behalf of its clients that include securities and strategies described in Item 8 of this brochure. Clarity Financial’s investment strategies are primarily long-term focused, but the firm may buy, sell, or re-allocate positions that have been held for less than one year to meet the objectives of the client or due to market conditions. Clarity Financial will construct, implement, and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the client. Each client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the firm. Clarity Financial evaluates and selects investments for inclusion in client portfolios only after applying its internal due diligence process. Clarity Financial may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Clarity Financial may recommend specific positions to increase sector or asset class weightings. Clarity Financial may recommend employing cash positions as a possible hedge against market movement. Clarity Financial may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position(s) in the portfolio, change in risk tolerance of the client, generating cash to meet client needs, or any risk deemed unacceptable for the client’s risk tolerance. Clients have the right to provide the firm with any reasonable investment restrictions that should be imposed on the management of their portfolio (must be in writing and sent to the firm), and should promptly notify the firm in writing of any changes in such restrictions or in the client's personal financial circumstances, investment objectives, goals and tolerance for risk. Clarity Financial will remind clients of their obligation to inform the firm of any such changes or any restrictions that should be imposed on the management of the client’s account. Clarity Financial will also contact clients at least annually to determine whether there have been any changes in a client's personal financial circumstances, investment objectives and tolerance for risk. Retirement Plan Participant Account Management (Discretionary) We use a third-party platform (Pontera Order Management System) to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of client funds since we do not have direct access to client log-in credentials to effect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the client allowing them to connect an account(s) to the platform. Once client account(s) is connected to the platform, we will review the current account allocations. When deemed necessary, we will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. We may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between our firm and the client. Retirement Accounts When Clarity Financial provides investment advice to clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the firm is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the client’s best interest, Clarity Financial will provide investment advice to a client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored plan to another, one IRA to another IRA, or from one type of account to another account (e.g., commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the firm will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by Clarity Financial. Use of Independent

Managers Clarity Financial may recommend that a client utilize one or more unaffiliated investment managers or investment platforms (collectively “independent manager(s)”) for all or a portion of a client’s investment portfolio. In such instances, the client may be required to authorize and enter into an advisory agreement with the independent manager(s) that defines the terms in which the independent manager(s) will provide investment management and related services. Clarity Financial may also assist in the development of the initial policy recommendations and managing the ongoing client relationship. Clarity Financial will perform initial and ongoing oversight and due diligence over the selected independent manager(s) to ensure the independent manager(s)’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. The client, prior to entering into an agreement with unaffiliated investment manager(s) available on one or more platform(s) that the firm has an agreement with, will be provided with the independent manager(s)’ Form ADV 2A (or a brochure that makes the appropriate disclosures). Financial Planning and Consulting Services Clarity Financial will typically provide a variety of financial planning and consulting services to clients. Services may be included as part of an overall wealth management engagement or separately billed pursuant to a written financial planning agreement. Services are offered in several areas of a client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings, insurance needs, and other areas of a client’s financial situation. A financial plan developed for, or financial consultation rendered to, the client will usually include general recommendations for a course of activity or specific actions to be taken by the client. For example, recommendations may be made that the client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Clarity Financial may also refer clients to an accountant, attorney, or other specialists as appropriate for their unique situation. For certain financial planning engagements, Clarity Financial will provide a written summary of the client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, Clarity Financial may not provide a written summary. Plans or consultations are typically completed within six (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of Clarity Financial and the interests of the client. For example, Clarity Financial has an incentive to recommend that clients engage the firm for investment management services or to increase the level of investment assets with Clarity Financial, as it would increase the amount of advisory fees paid to the firm. Clients are not obligated to implement any recommendations made by Clarity Financial or maintain an ongoing relationship with the firm. If the client elects to act on any of the recommendations made by Clarity Financial, the client is under no obligation to implement the transaction through Clarity Financial. Basic Financial Plan as Part of AUM Fee Clients with a minimum of $100,000 in assets under management with Clarity Financial are offered a basic financial plan at no additional charge. The basic financial plan will include (i) a financial report overviewing their assets, liabilities, income, and relevant insurance; and (ii) a two-page financial plan that lists their goals, account recommendations, contribution recommendations, and several relevant notes about their overall financial picture. C. Client-Tailored Services and Client-Imposed Restrictions Prior to engaging Clarity Financial to provide investment advisory services, each client is required to enter into one or more agreements with Clarity Financial that define the terms, conditions, authority and responsibilities of Clarity Financial and the client. These services may include:  Establishing an Investment Strategy – Clarity Financial, in connection with the client, will develop a strategy that seeks to achieve the client’s goals and objectives.  Asset Allocation – Clarity Financial will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each client.  Portfolio Construction – Clarity Financial will develop a portfolio for the client that is intended to meet the stated goals and objectives of the client.  Investment Management and Supervision – Clarity Financial will provide investment management and ongoing oversight of the client’s investment portfolio. Each client’s account will be managed on the basis of the client’s financial situation and investment objectives and in accordance with any reasonable restrictions imposed by the client on the management of the account—for example, restricting the type or amount of security to be purchased in the portfolio. D. Wrap Fee Programs Clarity Financial does not participate in wrap fee programs, where brokerage commissions and transaction costs are included in the asset-based fee charged to the client. E. Client Assets Under Management As of December 31, 2023, Clarity Financial manages $79,897,323 in client assets, all of which are managed on a discretionary basis. Clients may request more current information at any time by contacting the Advisor.