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.
Preparing for the eventual distribution of your assets may not sound enticing. But a will puts the power in your hands.
When Life Insurance Becomes Taxable
Life insurance proceeds are generally tax-free. But not in all cases.
From Boats to Brokers
From the Dutch East India Company to Wall Street, the stock market has a long and storied history.
Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.
Estate strategies for millennials may sound like less of a concern than retirement, but young adults should prepare now.
What kind of auto insurance should you have? Do you know?
Second marriages are a trigger event to revisit any existing estate strategies.
When considering life insurance, it's important to understand your options.
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
Estimate how long your retirement savings may last using various monthly cash flow rates.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
This calculator demonstrates the power of compound interest.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
How federal estate taxes work, plus estate management documents and tactics.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are a number of ways to withdraw money from a qualified retirement plan.
A presentation about managing money: using it, saving it, and even getting credit.
There are some smart strategies that may help you pursue your investment objectives
Using smart management to get more of what you want and free up assets to invest.
What does your home really cost?
The decision whether to buy or rent a home may have long-term implications.
There’s an alarming difference between perception and reality for current and future retirees.
The market is as unpredictable as the weather. We’d love to help you prepare.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
It’s never a bad time to speak with your financial advisor about changes in your situation.