Clarity Financial Services provides independent investment advice and unique, customized financial strategies to clients in Arizona, California, Louisiana, and Florida. My name is Anne Ramirez, and I have been helping my clients find solutions for their savings and retirement goals for more than 17 years.
I have created this Web site to give you access to information around the financial concepts behind insurance products, investing and portfolio management, retirement income planning, estate planning, and family wealth preservation.
One of my primary roles as an advisor is to help educate you about the basic concepts of financial management; to help you learn more about your investment options; and to give you fast, easy access to market performance data. I hope you take advantage of this resource and visit the site often. Be sure to add the site to your list of "favorites" in your Internet browser. I frequently update the available information, and if you ever have any questions about information on the site, or just have a question of your own, you are encouraged to contact me via email or phone.
And the Executor Is
The right executor may help ensure the distribution of your assets is done with as little upheaval as possible.
Term vs. Permanent Life Insurance
When considering life insurance, it's important to understand your options.
Are Alternative Investments Right for You?
With alternative investments, it’s critical to sort through the complexity.
The tax rules that govern donating art are complex and confusing. Take a closer look.
Planning for a special-needs child can be complicated, confusing, and even overwhelming.
A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."
Alternative investments are going mainstream for accredited investors. It’s critical to sort through the complexity.
Simple steps may help you foil hackers and protect your privacy.
Taking regular, periodic withdrawals during retirement can be quite problematic.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
This calculator can help you estimate how much you may need to save for retirement.
This calculator compares the financial impact of leasing versus buying an automobile.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
Use this calculator to estimate your capital gains tax.
There are a number of ways to withdraw money from a qualified retirement plan.
There are some smart strategies that may help you pursue your investment objectives
Are you ready for retirement? Here are five words you should consider.
Smart investors take the time to separate emotion from fact.
Pundits say a lot of things about the markets. Let's see if you can keep up.
A special needs trust helps care for a special needs child when you’re gone.
What does your home really cost?
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.