Clarity Investments + Planning LLC (Clarity or the Firm) was founded in December 2008. Antonia Clearwaters (Annette) is the sole owner of Clarity. Clarity brings objective, high-quality financial advice (including investment management and financial planning) to a broad range of clientele, regardless of their existing wealth. As further discussed in response to Item 8, Clarity investment philosophy is based on principles of asset allocation, diversification, and minimizing expenses. Prior to engaging Clarity to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with the firm setting forth the terms and conditions under which Clarity renders its services (collectively the “Agreement”). This Disclosure Brochure describes the business of Clarity. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of Clarity’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), or employees, or any other person who provides investment advice on Clarity’s behalf and is subject to Clarity’s supervision or control. Financial Planning/Consulting Services Clarity may provide its clients with a broad range of comprehensive financial planning and consulting services. These services include retirement planning, cash flow projections, education savings, and debt management, but may also address additional areas tailored to the specific needs of clients. In performing its services, Clarity is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. Clarity may recommend the services of itself, and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if Clarity recommends its own services. The client is under no obligation to act upon any of the recommendations made by Clarity under a financial planning engagement or to engage the services of any such recommended professional, including Clarity itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of Clarity’s recommendations. Clients are advised that it remains their responsibility to promptly notify Clarity if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising Clarity’s previous recommendations and/or services. Investment Management Services Clients can engage Clarity to manage all or a portion of their assets on a discretionary basis. All ongoing investment management clients are offered one (1) hour of complementary financial planning each year. Clarity primarily allocates clients’ investment management assets among mutual funds, and to a lesser extent among exchange-traded funds (“ETFs”), Clarity also provides advice about any type of investment held in clients' portfolios. Clarity tailors its advisory services to the individual needs of clients. Clarity consults with clients initially and on an ongoing basis to determine risk tolerance, time horizon and other factors that may impact the clients’ investment needs (which may include the development of a financial plan). Clarity ensures that clients’ investments are suitable for their investment needs, goals, objectives and risk tolerance. Clients are advised to promptly notify Clarity if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon Clarity’s management services. Clients may impose reasonable restrictions or mandates on the management of their account (e.g., require that a portion of their assets be invested in socially responsible funds) if, in Clarity’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. Wrap Fee Program Clarity does not participate in a Wrap Fee Program. Use of Independent Managers As mentioned above, Clarity may recommend

that certain clients authorize the active discretionary management of a portion of their assets by and/or among certain independent investment managers (“Independent Managers”), based upon the stated investment objectives of the client. The terms, compensation and conditions under which the client engages the Independent Managers are set forth in a separate written agreement between the client and the designated Independent Managers. Clarity renders services to the client relative to the discretionary and/or non-discretionary selection or recommendation of Independent Managers. Clarity also monitors and reviews the account performance and the client’s investment objectives. When recommending or selecting an Independent Manager for a client, Clarity reviews information about the Independent Manager such as its disclosure statement and/or material supplied by the Independent Manager or independent third parties for a description of the Independent Manager’s investment strategies, past performance and risk results to the extent available. Factors that Clarity considers in selecting or recommending an Independent Manager include the client’s stated investment objectives, management style, performance, reputation, reporting, pricing, and research. The investment management fees charged by the designated Independent Managers, together with the fees charged by the corresponding designated broker-dealer/custodian of the client’s assets, may be exclusive of, and in addition to, Clarity’s investment advisory fee. In addition to Clarity’s written disclosure brochure, the client also receives the written disclosure brochure of the designated Independent Managers. Certain Independent Managers may impose more restrictive account requirements and varying billing practices than Clarity. In such instances, Clarity may alter its corresponding account requirements and/or billing practices to accommodate those of the Independent Managers. Fiduciary Statement We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries 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. We have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. We must take into consideration each client’s objectives and act in the best interests of the client. We are prohibited from engaging in any activity that is in conflict with the interests of the client. We have the following responsibilities when working with a client:
• To render impartial advice;
• To make appropriate recommendations based on the client’s needs, financial circumstances, and investment objectives;
• To exercise a high degree of care and diligence to ensure that information is presented in an accurate manner and not in a way to mislead;
• To have a reasonable basis, information, and understanding of the facts in order to provide appropriate recommendations and representations;
• Disclose any material conflict of interest in writing; and
• Treat clients fairly and equitably. Regulations prohibit us from:
• Employing any device, scheme, or artifice to defraud a client;
• Making any untrue statement of a material fact to a client or omitting to state a material fact when communicating with a client;
• Engaging in any act, practice, or course of business which operates or would operate as fraud or deceit upon a client; or
• Engaging in any manipulative act or practice with a client. We will act with competence, dignity, integrity, and in an ethical manner, when working with clients. We will use reasonable care and exercise independent professional judgement when conducting investment analysis, making investment recommendations, trading, promoting our services, and engaging in other professional activities. Client Assets As of December 31, 2023, Clarity had $ 105,894,329 of assets under management with $104,922,511 managed on a discretionary basis and $971,818 managed on a non-discretionary basis.