Clarity Retirement & Wealth, Llc
- Regulatory AUM
- $140M
- Discretionary
- $140M
- Clients
- 329
- Avg AUM / client
- $424K
- Accounts
- 499
- Employees
- 2
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Jan 14, 2026
Investments (13F portfolio — 26 positions, $124,003,330)
13F period Mar 31, 2026| # | Issuer | Class | Value | Shares | % of 13F | % of AUM |
|---|---|---|---|---|---|---|
| 1 | Fidelity Covington Trust | BLUE CHIP GRWTH | $22,491,054 | 448,744 | 18.1% | 16.1% |
| 2 | Capital Group Dividend Value | SHS CREATION UNI | $19,183,033 | 450,941 | 15.5% | 13.7% |
| 3 | Fidelity Covington Trust | ENHANCED INTL | $13,188,502 | 354,530 | 10.6% | 9.45% |
| 4 | Spdr Series Trust | STATE STREET SPD | $10,601,614 | 138,511 | 8.55% | 7.6% |
| 5 | Fidelity Merrimack Str Tr | INVESTMENT GR BD | $9,002,771 | 209,172 | 7.26% | 6.45% |
| 6 | Fidelity Merrimack Str Tr | TOTAL BD ETF | $8,603,586 | 188,592 | 6.94% | 6.17% |
| 7 | Fidelity Covington Trust | EMERG MKTS MLTFT | $7,735,038 | 244,935 | 6.24% | 5.54% |
| 8 | Ishares Tr | HDG MSCI EAFE | $5,088,549 | 119,745 | 4.1% | 3.65% |
| 9 | T Rowe Price Etf Inc | FLOATING RATE | $3,777,602 | 75,012 | 3.05% | 2.71% |
| 10 | Fidelity Covington Trust | FUNDAMENTAL SMAL | $3,515,139 | 110,020 | 2.83% | 2.52% |
| 11 | Fidelity Merrimack Str Tr | MUN BD OPPORTUN | $3,385,530 | 66,904 | 2.73% | 2.43% |
| 12 | J P Morgan Exchange Traded F | HEDGED EQUITY LA | $3,114,785 | 48,737 | 2.51% | 2.23% |
| 13 | Pgim Etf Tr | ACTV HY BD ETF | $2,355,241 | 68,012 | 1.9% | 1.69% |
| 14 | Ishares Tr | CORE S&P500 ETF | $1,820,496 | 2,787 | 1.47% | 1.3% |
| 15 | Vanguard Index Fds | S&P 500 ETF SHS | $1,508,216 | 2,524 | 1.22% | 1.08% |
| 16 | Ishares Tr | CORE US AGGBD ET | $1,446,364 | 14,570 | 1.17% | 1.04% |
| 17 | Vanguard Index Fds | VALUE ETF | $1,340,046 | 6,830 | 1.08% | 0.96% |
| 18 | Franklin Templeton Etf Tr | FRANKLIN DYN MUN | $1,123,656 | 45,327 | 0.91% | 0.81% |
| 19 | Ssga Active Tr | SST BRIDGEWATER | $1,068,229 | 37,027 | 0.86% | 0.77% |
| 20 | Spdr Series Trust | STATE STREET SPD | $936,581 | 35,611 | 0.76% | 0.67% |
| 21 | Dbx Etf Tr | XTRACK MUN INFRA | $885,041 | 35,926 | 0.71% | 0.63% |
| 22 | J P Morgan Exchange Traded F | MUNICIPAL ETF | $585,333 | 11,709 | 0.47% | 0.42% |
| 23 | Select Sector Spdr Tr | STATE STREET TEC | $470,200 | 3,538 | 0.38% | 0.34% |
| 24 | State Str Spdr S&P 500 Etf T | TR UNIT | $353,785 | 544 | 0.29% | 0.25% |
| 25 | Invesco Qqq Tr | UNIT SER 1 | $221,637 | 384 | 0.18% | 0.16% |
Top 25 of 26 positions from the manager's latest Form 13F · source filing (EDGAR) ↗. 13F covers long US-listed positions only. "% of AUM" is share of the firm's total regulatory AUM (Form ADV Item 5.F).
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 231 | $48.3M | 34.6% |
| High net worth individuals | 98 | $91.2M | 65.4% |
People (1)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| John Edward Williams | Registered representative | CFP | Sep 2025 (1y) |
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 01/14/2026 | 903 KB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
Services
- • Portfolio management for individuals/small businesses
- • Portfolio management for businesses/institutional clients
- • Selection of other advisers
Custody
Reported custodians
- Charles Schwab & Co. $140M (100% of AUM) Jan 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports it does not have custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Jan 14, 2026.
View current Form ADV (SEC/IAPD) ↗