About Us

Tim Sullivan of Clarity Financial LLC

Tim Sullivan, CFP®, EA is registered in the state of Missouri as an Investment Adviser Representative for Clarity Financial, LLC, * a fee-only advisory firm he founded in 2011. He has a passion for helping others achieve their financial goals through an integrated approach to financial planning. This comprehensive planning method analyzes the entire financial picture, not just investment assets. Tim’s informed recommendations are based on smart planning and intelligent investing – no gimmicks, no frills.

Tim’s down to earth financial planning helps his clients grow financially and invest their energy in the important aspects of their lives, not in stressing over their finances. His clients have accumulated wealth over the course of their working lives and aren’t looking for a “sales”-focused financial planning experience. They’re ready to take next steps, whatever those may be, that will help them achieve their life goals – from retirement, travel, and more.

As a CERTIFIED FINANCIAL PLANNER™ professional, Tim earned a Graduate Certificate in Personal Financial Planning through Rice University, passed the 10-hour comprehensive certification exam, and completed the necessary work experience requirement to use the CFP® designation. In addition to an undergraduate degree from the University of Missouri, he has received specialized training in financial planning as a member of the non-profit Alliance of Comprehensive Planners.

Tim is also an Enrolled Agent. Enrolled Agents have passed a three-part, comprehensive IRS exam covering individual and business tax returns. They must adhere to ethical standards and complete 72 hours of continuing education courses every three years. EAs have unlimited practice rights before the IRS, which means they can represent clients for any tax matter.

Tim provides pro-bono financial advice to community members whose income and net worth are below certain thresholds. He strongly feels everyone should have the opportunity to benefit from unbiased financial advice.

When not working, he can be found listening to St. Louis Cardinals baseball on the radio, watching his alma mater Missouri Tigers sports teams, and enjoying the outdoors with his wife, Angeline, and young sons, Carter and Grant.  You might also find him putting his amateur carpentry skills to use around the house.

 

JC Holmes is registered in the state of Missouri as an investment advisor representative for Clarity Financial, LLC where he serves as a fee-only advisor. Growing up on a cattle farm in Alton, Missouri, he learned the value of a strong work ethic, the love of a close community, and the ethical principles of accountability. These are the things that continue to drive his actions every day.

A proud graduate of the University of Missouri, JC first entered the world of finance as a mortgage loan officer. He held licenses in over 30 states and gained extensive knowledge and experience with the retail, wholesale, and secondary markets. Self-described as, “the worst performing loan officer with the highest performing loans,” his focus was first and foremost placed on the financial health of his clients rather than selling the highest volume of loans.

After leaving the mortgage industry, JC began working with financial advisory firms building back-office and automation systems. In 2013, he created EverFin to provide software and technical services to mid-sized investment advisors across the country. These systems are used with thousands of clients helping to manage over $100m in assets.

His experience quickly taught him that many “financial advisors” are nothing more than salespeople that are incentivized to sell products rather than provide honest service. After years of searching, studying, and negotiating, he decided to do something about this by joining the Clarity Financial team as a fee-only investment advisor where he can serve as a fiduciary by always putting the needs of his clients first.

JC is a lifelong entrepreneur with a list of successes and failures he proudly shares. He has or currently owns businesses involving livestock, luxury handbags, cars, electronics, real estate, and software.

He loves his family and thanks them for giving him the most wonderful and exciting life a person could ask for.

 

Disclosure:  The Clarity Financial team is currently registered in Missouri only, but he can work with clients in other states within their state’s restrictions (referred to as state de minimis rules). Clarity Financial, LLC is the Registered Investment Adviser.  Click here to review additional disclosures and legal terms.