Clarity Retirement & Wealth LLC

Fees and Compensation - Item 5

 Portfolio Management Services Fees
 For portfolio management services, Clarity charges an annual fee based on the following blended fee schedule:

      Billable Assets Under Management                                       Annual Fee
      First $3,000,000                                                         1.00%
      Next $3,000,000                                                          0.85%
      Next $4,000,000                                                          0.50%
      Over $10,000,000                                                         0.35%

 The advisory fee is a tiered or blended fee and is calculated on a monthly basis by assessing the percentage rates
 using the predefined levels of assets as shown in the above chart, resulting in a combined weighted fee. For
 example, an account valued at $6,000,000 at the end of the month would pay a fee of $4,625.00. The monthly
 fee is determined by the following calculation: (($3,000,000 x 1.00%) + ($3,000,000 x 0.85%)) ÷ 12 = $4,625.00.
 No increase in the annual fee shall be effective without the client’s prior consent.

 At the inception of portfolio management services, the first pay period’s fees will be calculated on a pro-rata
 basis. The portfolio management agreement between you and Clarity will continue in effect until terminated by
 either party on written notice. Refunds are not applicable because fees are paid in arrears. Other fee payment
 arrangements can be negotiated on a case-by-case basis. These arrangements will be listed in the advisory
 agreement signed by the firm and the client.

 Some of the portfolio model managers used by our firm charge a separate asset management fee that is in
 addition to the fee listed in the fee schedule above. This additional fee will not exceed 1.50% of assets under
 management and will be disclosed to the client in the portfolio model manager’s Form ADV Part 2 Brochure or a
 separate disclosure document. The portfolio model manager’s fee will only apply to the portion of the client’s
 portfolio that has been delegated to it.

 Clarity will calculate the fee and debit such fees from the client’s custodial account. You will provide the party
 responsible for the fee deduction written authorization permitting the fees to be paid directly from your account.
 Further, the qualified custodian will deliver an account statement to you at least quarterly. These account
 statements will show all disbursements from your account. You should review all statements for accuracy. If
 insufficient cash is available to pay such fees, securities in an amount equal to the balance of unpaid fees will be
 liquidated to pay for the unpaid balance. In limited cases, we may invoice the client directly for the payment of
 fees.

Clarity Retirement & Wealth, LLC
Form ADV Part 2A Brochure

 The fees charged are calculated as described above and are not charged on the basis of a share of capital gains
 upon, or capital appreciation of, the funds, or any portion of your funds.

 We reserve the right to maintain courtesy accounts that do not incur management fees and to exclude certain
 positions from being included in the account balance for purposes of calculating the management fee. Also, we
 do not include the value of your insurance products when determining the management fee.

 We shall never have physical custody of any Client funds or securities, as the services of a qualified and
 independent custodian will be used for those services.

 Our annual portfolio management fee is exclusive of and in addition to brokerage commissions, transaction fees,
 and other related costs and expenses, which will be incurred by the client. However, we will not receive any
 portion of the commissions, fees, and costs. Please see Item 12 – Brokerage Practices for further information on
 brokerage and transaction costs.

 IRA Rollover Considerations
 As a normal extension of financial advice, we provide education or recommendations related to the rollover of an
 employer-sponsored retirement plan. A plan participant leaving employment has several options. Each choice
 offers advantages and disadvantages, depending on desired investment options and services, fees and expenses,
 withdrawal options, required minimum distributions, tax treatment, and the investor's unique financial needs and
 retirement plans. The complexity of these choices may lead an investor to seek assistance from us.

 An Associated Person who recommends an investor roll over plan assets into an Individual Retirement Account
 (“IRA”) may earn an asset-based fee as a result, but no compensation if assets are retained in the plan. Thus, we
 have an economic incentive to encourage an investor to roll plan assets into an IRA. In most cases, fees and
 expenses will increase to the investor as a result because the above-described fees will apply to assets rolled over
 to an IRA and outlined ongoing services will be extended to these assets.

 We are fiduciaries under the Investment Advisers Act of 1940. We have to act in your best interests and not put
 our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests.

 Additional Information About Fees and Expenses
 Advisory recommendations are based on the financial information and situation that you disclose to us at the
 time services are provided. Certain assumptions may be made with respect to interest and inflation rates and the
 use of past trends and performance of the market and economy. Past performance is in no way an indication of
 future returns. As your financial situation, goals, objectives, or needs change, you must notify us promptly.

 Clarity’s fees are negotiable based on the complexity of client goals and objectives and level of services rendered.
 We also allow Associated Persons servicing the account to negotiate the exact investment management fee within
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Types of Clients - Item 7

 We generally offer investment advisory services to individuals, trusts, estates, charitable organizations,
 corporations, and other business entities.

 We do not require a minimum amount of assets to open and maintain an advisory relationship.

                   Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 Clarity will use various internal and external methods of analysis to determine an appropriate investment strategy.
 We seek to recommend investment strategies or products that will give you a diversified portfolio consistent with
 your investment objective. We do this by analyzing the various products, investment strategies, and external
 portfolio managers to which we provide access. That analysis includes a review of the structure, cost, and
 investment performance history of each manager. We also use research provided by third parties in determining
 the type of investments that should be held in client portfolios.

 Asset allocation models used by portfolio managers and/or other third-party investment managers are developed
 in accordance with investment programs developed by these entities. Clients should refer to the relevant portfolio
 manager’s and/or other third-party investment manager’s Form ADV Part 2 Brochures or comparable disclosure
 documents for more information about the methods of analysis and investment strategies used by those firms.

Clarity Retirement & Wealth, LLC
Form ADV Part 2A Brochure

 Where internal analysis is conducted, we primarily use Fundamental and Technical analysis:
    • Fundamental Analysis is a method of evaluating a company or security by attempting to measure its
         intrinsic value. In other words, trying to determine a company’s or a security’s true value by looking at
         all aspects of the business, including both tangible factors (e.g., machinery buildings, land, etc.) and
         intangible factors (e.g., patents, trademarks, “brand” names, etc.). Fundamental analysis also involves
         examining related economic factors (e.g., overall economy and industry conditions, etc.), financial
         factors (e.g., company debt, interest rates, management salaries and bonuses, etc.), qualitative factors
         (e.g., management expertise, industry cycles, labor relations, etc.), and quantitative factors (e.g., debt-
         to-equity and price-to-equity ratios). The end goal of performing fundamental analysis is to produce a
         value that an investor can compare with the security's current price in hopes of determining what sort
         of position to take with that security (underpriced = buy, overpriced = sell or short). This method of
         security analysis is considered the opposite of technical analysis. Fundamental analysis is about using
         real data to evaluate a security's value. Although most analysts use fundamental analysis to value stocks,
         this method of valuation can be used for just about any type of security. The risk associated with
         fundamental analysis is that information obtained may be incorrect and the analysis may not provide an
         accurate estimate of earnings, which may be the basis for a stock's value. If securities prices adjust rapidly
         to new information, utilizing fundamental analysis may not result in favorable performance.
     • Technical Analysis is a technique that relies on the assumption that current market data (such as charts
         of price, volume, and open interest) can help predict future market trends, at least in the short term. It
         assumes that market psychology influences trading and can predict when stocks will rise or fall. Technical
         trading models are mathematically driven based upon historical data and trends of domestic and foreign
         market trading activity, including various industry and sector trading statistics within such markets.
         Technical trading models, through mathematical algorithms, attempt to identify when markets are likely
         to increase or decrease and identify appropriate entry and exit points. The primary risk of technical
         trading models is that historical trends and past performance cannot predict future trends, and there is
         no assurance that the mathematical algorithms employed are designed properly, updated with new data,
         and can accurately predict future market, industry, and sector performance.

 Investment Strategies
 We may use one or more of the following investment strategies when advising you on investments:
      • Long Term Purchases – securities purchased with the expectation that the value of those securities will
        grow over a relatively long period of time, generally greater than one year. Using a long-term purchase
        strategy generally assumes the financial markets will go up in the long-term, which may not be the case.
        There is also the risk that the segment of the market that you are invested in or perhaps just your
        particular investment will go down over time even if the overall financial markets advance. Purchasing
        investments long-term may create an opportunity cost - "locking-up" assets that may be better utilized
        in the short-term in other investments.
      • Short Term Purchases – securities purchased with the expectation that they will be sold within a relatively
        short period of time, generally less than one year, to take advantage of the securities' short-term price
        fluctuations. Using a short-term purchase strategy generally assumes that we can predict how financial
        markets will perform in the short-term which may be very difficult and will incur a disproportionately
        higher amount of transaction costs compared to long-term trading. There are many factors that can
        affect financial market performance in the short-term (such as short-term interest rate changes, cyclical
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