Bring clarity to your financial life.

Independent.  Fiduciary.  CFP®.

Straightforward, fee-only financial planning of the highest standard.

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The Goal

Your financial situation is unique.

Our goal is to be your trusted advisor, helping you succeed, as we walk with you through the many stages of your financial life.

We are in it for the long haul.

The highest standard in financial planning.

  • Early Financial Independence and/or Early Retirement Planning (Specialty)
  • Financial Planning
  • Retirement Planning
  • Social Security Planning
  • Investment Planning and Management
  • Socially Responsible Investing
  • Estate Planning
  • Inheritance Planning and Management
  • Endowment Planning and Management
  • College Saving and Student Loan Planning
  • Small Business Retirement Planning

Who we are

Why we do what we do.

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Independent

Being an independent firm means we are not bound to any specific financial institution or their products, and can instead recommend whatever is best for our clients’ specific needs.

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Fee-only

Fee-only means we receive no commissions or incentives for recommending any specific investments to our clients.  We receive the same compensation regardless of our recommendations.  Clients know and see what they pay us for our services. Period.

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Fiduciary

Just a fancy way of saying we must always act in the best interest of our clients. This may seem obvious, but many “financial advisors” are not held to this standard.

Kyle Mast, CFP®, Owner, Financial Planner

Kyle founded Clarity Financial, LLC to provide independent, fee-only, fiduciary advice of the highest standard to clients and is passionate about removing as much financial uncertainty and stress from his clients’ lives as possible.

Kyle holds the Certified Financial Planner™ designation, widely recognized by the financial advising industry as the highest standard for financial planning, requiring ongoing education and development as a financial professional.

Having been in the industry since 2009, and having worked with individuals, families, businesses, schools, churches, and endowments, Kyle emphasizes the importance of a long-term planning relationship with his clients as he believe this gives them the best possible chance of achieving their financial goals.

Kyle lives in Canby, Oregon with his wife, Hannah, and son, Randon.

 

Are we a good fit for you?

Strap in. We take this part very seriously.

We are in this for the long haul. We are passionate about what we do and thoroughly enjoy working with our clients and building long-term relationships. You deserve to work with an advisor you can truly trust and respect, and who can be a constant guide and resource to you as you move through life. You should only work with an advisor who is an excellent fit for you. We would much rather have you work with an advisor who you feel is the best fit for you, even if it means that it is someone other than us. We have identified three criteria to help you determine whether or not we are the right fit for you.

We work well with those who…

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Recognize the importance of financial planning and the incredible impact it can have on their future.

We know, this seems obvious. However, this is foundational for the work we do with our clients. Without this, we have nowhere to start.

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Are willing to take action.

Again, perhaps obvious, but we feel very strongly about this. It is you taking action on the plans that we have put in place that will move you toward your goals.

“Vision without action is just a dream. Action without vision just passes the time. Vision with action can change the world.”   -Joel A. Barker

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Are looking for a professional they can trust to guide them along the way.

In some cases individuals or organizations are more do-it-yourself in nature and feel confident to do their own financial planning, research, self-education, implementation, and monitoring.

This is completely understandable and we encourage those of this nature to do so. Why would you pay us to do something that you feel confident you can do a good job of yourself?

We work best with those who are looking for a professional with expertise and experience to guide them through the intricacies of financial planning and wealth management so that they can focus on other important matters in their life.

Fee-only Transparency

You should know exactly what you pay for the value you receive.

No hidden commissions.

No, “I have no idea how my advisor gets paid.”

$175/ month
Standard Ongoing Financial Planning
  • This is a great option for those serious about ongoing professional financial planning and guidance, ensuring someone knows your financial circumstances well and is there to offer advice through the busyness of life.
  • $2,100/year (paid monthly at $175/month).  Minimum of one year commitment.
  • One-time, initial planning setup fee of $350.
  • Annual in-person 60 minute financial planning review meeting.
  • Includes up to 6 hours total of financial planning advice annually (a typical year may look like: 1 hour annual meeting, 2 hours meeting prep, 2 hours meeting follow up, 1 hour emails & phone calls throughout the year). Additional planning time will be charged at the current hourly rate of $350/hour.
  • Regular investment management fee, if any, charged to any investment account(s) that we manage in addition to this financial planning fee (see investment management fee schedule).
$650/ One time
Q&A Financial Planning Session
  • This is an excellent option for those who are looking for a professional opinion on their plans and situation, but are willing to do the work of implementing their financial plans and investments on their own.  This service does not provide full comprehensive planning but is a good option for covering a single financial planning topic, several topics, or a general review of your financial plans.
  • One time $650 fee (10% of fee is non-refundable to hold the meeting time).
  • Includes 30 minutes of meeting prep, 1 hour meeting (in-person or virtual), 30 minutes of follow up after the meeting.
  • Client is required to complete a pre-meeting questionnaire and upload requested documents (tax return, investment statements, pay stubs, etc.) prior to the meeting so that we can make the most of our time.  This is a requirement and the meeting will be cancelled if questionnaire and/or all documents are not received within 12 hours before the scheduled meeting time, in which case the client deposit will not be refunded.
  • If more planning time is required, client may choose to sign up as a Standard Financial Planning client.  The Q&A session fees will apply toward the Standard Financial Planning fees if sign up is within 30 days of the Q&A session.
Investment Management (only offered to ongoing financial planning clients)
Your plan may include investment accounts that you implement yourself or accounts that we implement, manage, and monitor for you, or both.
You can nearly always save money by implementing your investment accounts and strategies yourself.  However, for accounts that you choose to have us manage, implement, and monitor for you, the annual fees are as follows and are automatically deducted from the aggregated accounts on a quarterly basis:
  • 0.65% fee on amounts up to $199,999.
  • 0.49% fee on amounts from $200,000 to $499,999.
  • 0.29% fee on amounts from $500,000 to $999,999.
  • 0.19% fee on amounts from $1,000,000 to $1,999,999.
  • 0.15% fee on amounts from $2,000,000 to $4,999,999.
  • 0.09% fee on amounts from $5,000,000 and above.
There are also additional fees on any account, including, but not limited to, custodian fees and mutual fund or ETF expense ratios that often range from an additional 0.02% to 0.45% annually.  Our policy is to construct portfolios keeping fees as low as possible, to the extent that proper diversification and asset allocation do not suffer, as we believe this is a strong factor in the long-term growth of client investments.

Contact Us

Feel free to send us a message by clicking on the mail icon on the bottom right of the page to be put on our waiting list for an introductory phone call.  Please include information on your current financial situation and what you are looking for.

The relationship between you and your advisor is a personal one and we believe in developing long-term relationships based on integrity and mutual trust. You will not be pressured with sales tactics or empty promises. We provide professional advice and the introductory phone call will help us determine if we are a good fit for one another.

Main office number: 503-510-3244

Fax: (888) 295-7102

Mailing Address:

Clarity Financial, LLC, PO Box 1457, Wilsonville, OR 97070

South Portland Office (by appointment only):

8655 SW Citizens Drive, #102, Wilsonville, OR 97070