Clarity initially filed for registration with the SEC in March of 2024. Clarity is owned by Shannon F. Moenkhaus (as of November 1, 2016) and has been providing comprehensive financial planning services since July 2015. As of April 3, 2024, Clarity managed $109,508,891 on a discretionary basis and $1,653,217 on a non-discretionary basis. Comprehensive Financial Planning and Portfolio Management Clarity manages investment portfolios for individuals including high -net-worth individuals, trusts and businesses. Clarity works with clients to determine the client's investment objective which may be set forth in a written Investment Policy Statement tha t describes an asset allocation model that confirms a client’s risk tolerance. The determination of an appropriate portfolio for each client is a function of current and future cash flow needs, risk tolerance, time horizon, goals, and modeled returns. Inve stment and portfolio allocation software may be used to evaluate alternative portfolio designs. Clarity evaluates the client's existing investments with respect to the client's investment policy statement. Clarity works with new client families to develop a plan to transition from the client's existing portfolio to the desired portfolio. Clarity typically designs a portfolio of evidence-based no-load mutual funds or ETF’s and may use model portfolios if the models match the client's investment policy. Clarity allocates the client's assets among various investments taking into consideration the overall management style selected by the client. Clarity often recommends mutual funds and ETFs offered by Dimensional Fund Advisors (DFA), Vanguard, and other similar mutual funds and exchange traded funds. These sponsored mutual funds follow an evidence -based investment philosophy with low holdings turnover. Clarity prefers evidence -based mutual funds and ETF’s investments that offer low expense ratios, low security turnover, high transparency, and support a broadly diversified portfolio. Client portfolios m ay also include some individual equity securities and highly appreciated mutual funds in situations where disposition of these securities would present an overriding tax implication or the client specifically requests, they be retained

for a personal reason. These situations are specifically identified in the client’s Investment Policy Statement (IPS). Clarity manages mutual fund and equity portfolios on a discretionary basis according to the investment policy selected by the client. A client may impose any reasonable restrictions on Clarity’s discretionary authority, including restrictions on the types of securities in which Clarity may invest client’s assets and on specific securities, the client may believe to be appropriate. These situations are identified in the client’s Investment Policy Statement (IPS). Clarity may also recommend fixed income portfolios, which consist of managed accounts o f laddered individual bond portfolios. Clarity will request discretionary authority from advisory clients to manage fixed income portfolio portfolios, including the discretion to retain a third - party fixed income manager. Clarity will periodically review each client’s investment policy, risk profile, and discuss the re-balancing of each client’s accounts to the extent appropriate. In addition to managing the client’s investment portfolio and as part of the Comprehensive Financial Planning service offering, Clarity consults with clients on various financial areas including income and estate tax planning, capital needs analysis, business sale structures, college financial planning, retirement planning, personal cash flow analysis, philanthropy establishment and design of retirement plans and trust designs, among oth er things. Clarity gathers required information through in -depth personal interviews. Information gathering includes a client’s current financial status, future goals, and attitudes toward risk. related documents supplied by the client are carefully reviewed and vari ous types of written reports may be prepared by Clarity. Implementation of the financial plan recommendations is entirely at the client’s discretion although Clarity works with clients to implement the planning recommendations. Referrals to other professio nals may happen based on the client’s needs. Please note: comprehensive financial planning is included with portfolio management services at no additional cost. Wrap Fee Programs We do not participate in wrap fee programs.