{"url":"https://nivawealth.com/firms/clarity-financial-planners-277114","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/277114","regulatoryAum":132478489,"crd":"277114","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4457340","suffix":null,"lastName":"MOENKHAUS","firstName":"SHANNON","middleName":"FAYE"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-06-26","regulatoryAum":111162108,"clients":36,"employees":2,"offices":1},{"filedOn":"2025-06-16","regulatoryAum":118606383,"clients":37,"employees":2,"offices":1},{"filedOn":"2026-03-31","regulatoryAum":132478489,"clients":38,"employees":2,"offices":1}],"secFileNumber":"801-130103","legalName":"Clarity Financial Planners, LLC","displayName":"Clarity Financial Planners","slug":"clarity-financial-planners-277114","website":"https://clarityfinancialplanners.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/clarity-financial-planners/","xUrl":"https://twitter.com/claritystl","founded":null,"organization":"Missouri limited liability company","fiscalYearEnd":"December","headquarters":{"street":"168 N. Meramec Avenue, Suite 150","city":"Clayton","state":"MO","stateName":"Missouri","country":"United States","postalCode":"63105"},"tradeNames":[],"registration":{"secApproved":"26 April 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":3435994.789473684,"staff":{"employees":2,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":132478489,"discretionary":131947546,"discretionaryAccounts":211,"nonDiscretionary":530943,"nonDiscretionaryAccounts":2,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":12,"regulatoryAum":2176320},{"label":"High-net-worth individuals","clients":26,"regulatoryAum":128391482},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":1910687}],"feePrograms":[{"role":"main","program":"Comprehensive Financial Planning and Portfolio Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037391","versionId":1037391,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-31","documentName":"CLARITY FINANCIAL PLANNERS ADV BROCHURE","fee_rate_low":0.4,"fee_rate_high":1,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":24000}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:15:25.017753+00:00","documents":[{"name":"CLARITY FINANCIAL PLANNERS ADV BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037391","versionId":1037391,"submittedOn":"2026-03-31"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":41883345},{"name":"Tiaa","shortName":"Tiaa","location":"St Louis, MO","smaAssets":774533},{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Smithfield, RI","smaAssets":89826611}],"custodyNote":"Clarity Financial Planners does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Shannon Moenkhaus","title":"Managing Member / Chief Compliance Officer","crd":"4457340"}],"ownership":[{"label":"Shannon Moenkhaus","detail":"Managing member / chief compliance officer in the 75% or more ownership band and a control person, since September 2015."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Missouri","offices":1,"addresses":[{"street":"168 N. Meramec Avenue, Suite 150","city":"Clayton","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"314-548-2260","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":76},{"label":"U.S. state and local bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":22}],"privateFunds":0},"sources":{"adv1FilingDate":"31 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/277114/PDF/277114.pdf","brochureDate":"31 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037391","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Clarity Financial Planners have?","answer":"Clarity Financial Planners has 38 clients and manages $132 million for them, as of March 2026. They include 26 high-net-worth individuals and 12 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Clarity Financial Planners offer?","answer":"Clarity Financial Planners provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Clarity Financial Planners charge?","answer":"Clarity Financial Planners charges 0.40%–1.00% a year for its Comprehensive Financial Planning and Portfolio Management. The fee is billed in advance and has a $24,000 annual minimum.","source":"CLARITY FINANCIAL PLANNERS ADV BROCHURE, filed 31 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Clarity Financial Planners use?","answer":"Clarity Financial Planners’ separately managed account assets are held at Altruist Financial LLC (Smithfield, RI), with $89.8M, Charles Schwab & Co., Inc. (San Francisco, CA), with $41.9M and Tiaa (St Louis, MO), with $775K. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Clarity Financial Planners have?","answer":"Clarity Financial Planners has 1 investment adviser representative registered with state securities authorities, out of 2 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Clarity Financial Planners invest in?","answer":"At the end of its last fiscal year, Clarity Financial Planners’ separately managed accounts held 76% exchange-traded equities, 22% registered funds (mutual funds, ETFs, BDCs) and 2% state and local bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Clarity Financial Planners?","answer":"Clarity Financial Planners’ direct owner is Shannon Moenkhaus (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Clarity Financial Planners get paid?","answer":"Clarity Financial Planners is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Clarity Financial Planners?","answer":"Clarity Financial Planners’ main office is at 168 N. Meramec Avenue, Suite 150, Clayton, MO 63105. Its phone number is 314-548-2260. Its website is clarityfinancialplanners.com.","source":"Form ADV Part 1A, Item 1.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}