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.
Healthcare Costs in Retirement
Without a solid approach, health care expenses may add up quickly and potentially alter your spending.
Does Your Child Need to File an Income Tax Return?
When your child has income, there’s a good chance that he or she will need to report it and pay taxes.
Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.
Ascertaining the value of your business is important for a variety of reasons.
A change in your mindset during retirement may drive changes to your portfolio.
The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Why have the markets been so volatile recently?
Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.
It's important to understand how inflation is reported and how it can affect investments.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
This questionnaire will help determine your tolerance for investment risk.
This calculator can help you estimate how much you should be saving for college.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
How federal estate taxes work, plus estate management documents and tactics.
The importance of life insurance, how it works, and how much coverage you need.
Using smart management to get more of what you want and free up assets to invest.
Learn more about taxes, tax-favored investing, and tax strategies.
There are a number of ways to withdraw money from a qualified retirement plan.
There are some key concepts to understand when investing for retirement
If you died, what would happen to your email archives, social profiles and online accounts?
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
It’s never a bad time to speak with your financial advisor about changes in your situation.
Here’s a crash course on saving for college.