Many have accounts. Few have a plan. Independent, fiduciary financial planning in Buffalo, New York.
Clarity Advisors is a registered investment adviser on Seneca Street in downtown Buffalo, working with families and business owners across Erie and Niagara counties. We start with your goals, then align your money to your life. We call it Right-Sized Planning® — approachable planning, without compromise.
Trusted by Western New York owners and operators
- Bar-Bill Tavern
- The LunchBox
- Second-Chic
- IM&G
- Feigel, Carr & Joyce, PLLC
- 189 Burger
Right-Sized Planning®
We meet you where you’re at, then fill the gaps.
Most firms set a minimum, hand you the same template, and call it a plan. We’d rather look at what you already have, find what’s missing, and build only that. It costs less to fix a gap than to rebuild a life around a product.
Goals before balances
Every engagement opens with a discovery call about what you’re actually working toward. The account numbers come second, because they’re the easy part.
Right-sized, not one-sized
Everyone is unique, so shouldn’t the plan be? We scope to the gaps in front of us rather than selling a tier you’ll grow into someday.
Written to be revised
Life changes and so should plans. We review period over period and adjust — a plan that only works on the day it’s signed isn’t a plan.
Approachable planning,
without compromise.
Services
Six things we do, and nothing we don’t.
Not every household needs all six. Most need two or three. The discovery call is where we work out which.
Financial planning
Everyone is unique, so shouldn’t your financial plan be too? This is why we introduced Right-Sized Planning. We meet you where you’re at and fill the gaps.
02Investment management
Time in the marketThere are different tools for different jobs. Investment management is applying the right tools to your portfolio to accomplish the right job. That doesn’t mean chasing returns.
03Life insurance
Buy term, invest the restIt’s not the most exciting topic, but it’s one of the most impactful — just ask a widow. We partner with top providers for affordable coverage, without gimmicks and sales pitches.
04Estate planning
Just because you don’t have a yacht doesn’t mean you don’t need estate planning. It’s having a plan for the people and things you care about. We work with third-party tools and attorneys to make sure your wishes are met.
05Tax planning, preparation & filing
Tax preparers prepare and file. Few offer advice on how to reduce what you owe. We read your returns for opportunities, then hand them to our filing partners with clear instructions.
06Valuation & exit planning
CEPAExit planning is just good business planning. Our Certified Exit Planning Advisors assess what your business is worth, identify vulnerabilities, and address them to de-risk the company and increase profitability.
How it works
Dream. Build. Live.
Three phases, in order. You’ll always know which one you’re in and what happens next.
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01
Dream
What fun is life without something to work towards? On the discovery call we learn your goals and the progress you’ve already made toward them.
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02
Build
Believe it or not, this part is fun for us. Now that we know each other, we build a roadmap from where you stand today to where you want to be.
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03
Live
You’re doing it. In implementation we track progress period over period and adjust as life moves.
For business owners
Your largest asset is the one nobody’s advising on.
If you plan to exit one day, the question isn’t what the market does — it’s what your company is worth and what it would take to be worth more. We work with owner-operators across Buffalo and Western New York, and our Certified Exit Planning Advisors run the Value Acceleration Methodology.
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Group retirement
Take over or start a Solo(k), 401(k) or SIMPLE IRA. Our added value is employee education — budgeting apps, financial planning and estate plans at no cost to your team.
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Valuation
What is the business worth, and how does that compare to peers in your industry? We use best-in-class industry data rather than waiting to see what happens at sale.
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Exit planning
How do you get the most out of what you’ve built? Our team holds the CEPA designation and works the Value Acceleration Methodology.
A note from the founder
- Designation Certified Exit Planning Advisor (CEPA®)
- SEC record CRD #6199184
- Firm Clarity Advisors, LLC — registered investment adviser
Many people have accounts. Few have a plan.
I started Clarity in 2024 with the intention of providing better outcomes for clients. The status quo in the industry is to collect clients rather than serve them. At Clarity, we’re building something different — a firm that prioritizes you.
Where we work
A Buffalo firm, for
Western New York.
We’re on the 29th floor of Seneca One, downtown. Most clients are within half an hour of it — and when the drive doesn’t make sense, we meet over video instead.
The office
Clarity Advisors, LLC 1 Seneca Street, Floor 29Buffalo, NY 14203 (716) 217-2021 admin@claritywny.com Get directions
Erie County
Buffalo · Amherst · Williamsville · Orchard Park · Hamburg · East Aurora · Lancaster · Clarence · West Seneca · Cheektowaga · Tonawanda · Grand Island
Niagara County
Niagara Falls · Lockport · North Tonawanda · Lewiston · Wheatfield · Wilson
Not on the list? If you’re in Western New York, ask — and we work with a number of clients who moved away and stayed on.
Common questions
Straight answers,
before you book.
Anything not covered here is fair game on the call.
- What is Right-Sized Planning®?
- Our approach to scoping. Everyone is unique, so the plan should be too — we meet you where you’re at and fill the gaps rather than issuing the same template to everyone.
- How do you approach investing?
- We believe it’s not about timing the market, it’s about time in the market. The portfolio gets built to match the plan, not the other way around.
- Do you sell whole life insurance?
- We’re a “buy term, invest the rest” firm. No frills, just protection — and no gimmicks or sales pitches attached to it.
- Do you handle taxes?
- We read your returns and make recommendations to reduce what you owe, then hand them to our filing partners with clear instructions. Most preparers file; few advise.
- I own a business. Can you tell me what it’s worth?
- Yes. Our Certified Exit Planning Advisors use industry data to value the company, benchmark it against peers, and identify what’s holding the number down.
- What happens on the first call?
- No need to prep. We chat about your needs and see whether we’re a fit, then schedule time to go deeper if it makes sense.
- Where are you based, and who do you work with?
- Our office is at 1 Seneca Street, Floor 29, in downtown Buffalo, and we work with households and business owners across Erie and Niagara counties — Orchard Park, Amherst, Williamsville, Hamburg, East Aurora, Lancaster, Clarence and the surrounding towns. Meetings can happen at the office or over video.
- Are you a fiduciary?
- Yes. Clarity Advisors, LLC is a registered investment adviser, which carries a fiduciary duty to act in your best interest. Our Form ADV Part 1 and Part 2A are filed with the SEC and linked in the footer of this page — read them before you engage us.
Get started
Let’s chat.
No need to prep, and no obligation. We’ll talk through what you’re working toward and whether we’re the right fit.
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