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.
Putting a Price Tag On Your Health
Being healthy not only makes you feel good, it may also help you financially.
A Living Trust Primer
Living trusts are popular, but their appropriateness will depend upon your individual needs and objectives.
And the Executor Is
The right executor may help ensure the distribution of your assets is done with as little upheaval as possible.
Some people wonder if Social Security will remain financially sound enough to pay the benefits they are owed.
There are a number of reasons for business owners to consider a business succession plan sooner rather than later.
Can you keep up with your children’s mobile slang?
For many, retirement includes contributing their time and talents to an organization in need.
Beware of these traps that could upend your retirement.
Most women don’t shy away from the day-to-day financial decisions, but some may be leaving their future to chance.
This calculator demonstrates the power of compound interest.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
Enter various payment options and determine how long it may take to pay off a credit card.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are some smart strategies that may help you pursue your investment objectives
There are a number of ways to withdraw money from a qualified retirement plan.
Women must be ready to spend, on average, more years in retirement than men.
In the world of finance, the effects of the "confidence gap" can be especially apparent.
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
Investors seeking world investments can choose between global and international funds. What's the difference?
The market is as unpredictable as the weather. We’d love to help you prepare.
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.