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Clarus Wealth Group Disclosures


Clarus Wealth Group Disclosures

The Clarus Group, Inc. ("Clarus Wealth Group") is a Registered Investment Advisor ("RIA"), located in the state of Texas. Advisory services are only offered to clients where Clarus Wealth Group and its representatives are properly licensed or exempt from licensure. 

Risk Disclosures:
Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable.  

Asset allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss. Performance of the asset allocation strategies depends on the underlying investments.

This website is intended to provide general information about Clarus Wealth Group and its services. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to Contact Us at (713) 621-3500 or info@claruswealthgroup.com for further information. 

Market data, articles and other content on this website are based on generally available information and are believed to be reliable. Clarus Wealth Group does not guarantee the accuracy of the information contained in this website. The information is of a general nature and should not be construed as investment advice.

Please remember that it remains your responsibility to advise Clarus Wealth Group, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. 
 
Clarus Wealth Group will provide all prospective clients with a copy of our current Form ADV, Part 2A ("Disclosure Brochure") and the Brochure Supplement for each advisory person supporting a particular client. You may obtain a copy of these disclosures on the SEC website at http://adviserinfo.sec.gov or you may Contact Us at (713) 621-3500 or info@claruswealthgroup.com to request a free copy via .pdf or hardcopy. 
 
Privacy Disclosures:
Clarus Wealth Group is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described in our Privacy Policy.  
Clarus Wealth Group does not collect personal non-public information through this website; however, the Advisor may collect information from you on application forms, agreements, profile or investment policy statements, and other documents received or processed in relation to services we provide. We also may collect information from other sources.
We do not respond to "do not track" requests because we do not track you over time or across third party websites to provide targeted advertising. We may track you across our website to help us improve our content.
We may use "cookies" and similar online technologies to keep, and sometimes track, information about you regarding your usage of our website. Cookies are small data files that are sent to your browser or related software from a Web server and stored on your device. Cookies help us to collect information about your usage of our website, including date and time of visits, pages viewed, amount of time spent on our sites, or general information about the device used to access the site, such as the browser used. You can refuse to store or delete cookies by configuring your web browser settings. Most browsers and mobile devices have their own settings to manage cookies. If you refuse a cookie when on our website, or if you delete cookies, you may experience some inconvenience in your use of our website, such as having to re-configure preferences.
When you are on this website you may have the opportunity to click-through to other websites, including websites operated by unaffiliated third parties. These sites may collect nonpublic personal Information about you. We do not control sites operated by these entities and are not responsible for the information practices of these sites. This Privacy Policy does not address the information practices of other websites. The privacy policies of websites operated third parties are located on those sites.
 
For a copy of the Clarus Wealth Group, please Contact Us at (713) 621-3500 or info@claruswealthgroup.com. 
 
Email Disclosures
Clarus Wealth Group often communicates with its clients and prospective clients through electronic mail (“email”) and other electronic means. Your privacy and security are very important to us. Clarus Wealth Group makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send Clarus Wealth Group private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery. 
Please note: Clarus Wealth Group does not accept trading or money movement instructions via email.
 
As a registered investment advisor, Clarus Wealth Groupemails may be subject to inspection by the Chief Compliance Officer (“CCO”) of Clarus Wealth Group or the securities regulators. 
If you have received an email from Clarus Wealth Group in error, we ask that you contact the sender and destroy the email and its contents. 
If you have any questions regarding our email policies, please Contact Us at (713) 621-3500 or info@claruswealthgroup.com.
 
Social Websites
Clarus Wealth Group may utilize third-party websites, including social media websites, blogs and other interactive content. Clarus Wealth Group considers all interactions with clients, prospective clients and the general public on these sites to be advertisements under the securities regulations. As such, Clarus Wealth Group generally retains copies of information that Clarus Wealth Group or third-parties may contribute to such sites. This information is subject to review and inspection by the CCO of Clarus Wealth Group or the securities regulators. 
Information provided on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice nor a recommendation Clarus Wealth Group’s advisory persons after entering into an advisory agreement and provided Clarus Wealth Group with all requested background and account information.
If you have any questions regarding our policies, please contact us at (713) 621-3500 or info@claruswealthgroup.com.
Broker Dealer Affiliations 
Advisory services are offered through The Clarus Group, Inc.  (“Clarus Wealth Group”). Securities are offered through Kingswood Capital Partners, LLC (“Kingswood”). Clarus Wealth Group and Kingswood are not affiliated. Advisory services are only offered to clients or prospective clients where Clarus Wealth Group and its representatives are properly licensed or exempt from licensure.

 

Client Relationship Summary 
The Clarus Group, Inc. (CRD# 310163)

 

Introduction

Our firm, The Clarus Group, Inc., is registered as an investment adviser with the U.S. Securities and Exchange Commission. Brokerage and investment advisory services and fees differ and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

What investment services and advice can you provide me? 

Services: We offer investment advisory services to retail investors. These services include wealth management which is a combination of financial planning and investment management. We may also offer financial planning as a stand-alone service. We work closely with you to identify your investment goals and objectives, as well as risk tolerance and financial situation in order to develop an investment approach.

Accounts, Investments, and Monitoring: We provide services to individual, joint, retirement, trust and estate accounts. We primarily use mutual funds, exchange-traded funds, stocks, bonds, options, real estate investment trusts, independent managers, structured notes, digital assets, and alternative investments in constructing portfolios. We do not make available or offer advice with respect to only proprietary products or a limited menu of products or types of investments. As part of our services, we monitor portfolios and securities in accounts on a regular and continuous basis. We also meet with you at least annually, or more frequently, depending on your needs.

Investment Authority: We provide our services on a perpetual and discretionary basis. We execute investment recommendations in accordance with your investment objectives without your prior approval of each specific transaction. Our engagement will continue until you notify us otherwise in writing.

Account Minimums & Other Requirements: We do not require an account or relationship size minimum in order for you to open/maintain an account or establish a relationship.

Additional Information: For more detailed information on our relationships and services, please see Item 4 – Advisory Services, Item 13 – Review of Accounts and Item 7 – Types of Clients of our Form ADV Part 2A available via our firm’s Investment Adviser Public Disclosure Page.

Conversation Starters: Given my financial situation, should I choose an investment advisory service? Why or why not? How will you choose investments to recommend to me? What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?

Relationships and Services

 

What fees will I pay?

Asset-Based Fees: Our asset-based fees for wealth management range up to 1.50% annually. This fee is collected on a quarterly basis and calculated as a percentage of the value of the cash and investments in your account[s] that we manage. This presents a conflict of interest as we are financially incentivized to encourage you to place more assets in your advisory account as you will pay more in advisory fees.

Fixed Fees: Our fixed annual fees for financial planning range up to $50,000 per year. This fee is collected on a quarterly basis and calculated by applying the annual fee divided by four (4). The fees are negotiable based on the nature and complexity of the services to be provided and the overall relationship with us.

Other Fees & Costs: In addition to our advisory fee, you will also be responsible for custody fees, account administrative fees, fees and expenses related to mutual funds and exchange-traded funds and applicable securities transaction fees.

Additional Information: You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. For more detailed information on our fees, please see Item 5 – Fees and Compensation of our Form ADV Part 2A available via our firm’s Investment Adviser Public Disclosure Page.

Conversation Starters: Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

Fees, Costs, Conflicts, and Standard of Conduct

What are your legal obligations to me when acting as my investment adviser?
How else does your firm make money and what conflicts of interest do you have?

When we act as your investment adviser, we have to act in your best interest and not put our interests ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here is an example to help you understand what this means.

The Advisor is affiliated, through common control, with The Clarus Insurance Group, LLC (“CIG”). Through its affiliation with CIG, certain employees of the Advisor may benefit from any revenue generated and any subsequent distribution. Some of our financial professionals are licensed as insurance agents. In addition to our services, your financial professional will offer you insurance products in their separate capacity as an insurance agent. The fees charged for the implementation of insurance products are separate from our advisory fees, where your financial professional will earn commission-based compensation for the implementation of an insurance product. Therefore, there is a financial incentive to recommend that you implement insurance through our financial professionals.

Additional Information: For more detailed information, please see Item 10 – Financial Industry Activities and Affiliations, Item 12 – Brokerage Practices and Item 14 – Client Referrals and Other Compensation of our Form ADV Part 2A available via our firm’s Investment Adviser Public Disclosure Page.

Conversation Starters: How might your conflicts of interest affect me, and how will you address them?

How do your financial professionals make money?

Our financial professionals are compensated based on an agreed-upon annual salary. Additionally, they receive compensation based on the revenue generated from the accounts they service directly. This means financial professionals have an incentive to increase the asset size in the relationship or solicit new business, taking time away from the day-to-day servicing of existing clients.

Do you or your financial professionals have legal or disciplinary history?

Yes. You can visit Investor.gov/CRS for a free and simple search tool to research our firm and our financial professionals.

Conversation Starters: As a financial professional, do you have any disciplinary history? For what type of conduct?

Disciplinary History

 

Additional Information

You can find additional information about our investment advisory services by viewing our Form ADV Part 2A available via our firm’s Investment Adviser Public Disclosure Page or by visiting http://www.claruswealthgroup.com. You can request up to date information and a copy of our client relationship summary by contacting us at info@claruswealthgroup.com or (713) 621-3500.

Conversation Starters: As a financial professional, do you have any disciplinary history? For what type of conduct?

Additional Information

 

Material Changes

The following material changes have been made to our Form CRS:
• The Advisor is affiliated, through common control, with the Clarus Insurance Group, LLC.

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