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They include 47 high-net-worth individuals and 9 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Clear Retirement Advice offer?","answer":"Clear Retirement Advice provides portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Clear Retirement Advice use?","answer":"Clear Retirement Advice’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $85.6M and Altruist Financial LLC (Culver City, CA), with $67.8M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Clear Retirement Advice have?","answer":"Clear Retirement Advice has 1 investment adviser representative registered with state securities authorities, out of 1 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 Clear Retirement Advice invest in?","answer":"At the end of its last fiscal year, Clear Retirement Advice’s separately managed accounts held 91% registered funds (mutual funds, ETFs, BDCs), 5% exchange-traded equities and 4% cash and equivalents.","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 Clear Retirement Advice?","answer":"Clear Retirement Advice’s direct owner is James Schwarz (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Clear Retirement Advice get paid?","answer":"Clear Retirement Advice is paid through fixed fees. 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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."}