Timothy Sullivan


Clarity Financial, L.L.C.

Founder and Investment Adviser Representative

Timothy Sullivan


Clarity Financial, L.L.C.

Founder and Investment Adviser Representative

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Timothy Sullivan, CFP®, EA

Fee-Only financial planner located in Columbia, MO, serving clients locally and across the country

Timothy Sullivan is a Columbia, MO fee-only financial planner. Clarity Financial, L.L.C. provides comprehensive financial planning, tax planning and investment advice to help clients from all walks of life organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Timothy Sullivan is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

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.

Timothy Sullivan is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Holistic financial planning is an ongoing process, not an event. It focuses on your goals, integrates all areas of your financial life, recognizes how your beliefs and attitudes impact the financial decisions you make, and adjusts as your circumstances change. Our down-to-earth approach provides you with practical, insightful financial guidance and reduces the stress that financial planning can cause.

As fee-only financial advisors, we sell no products and receive no commissions. Instead, you pay us an annual retainer that covers all our meetings and full access to us at no additional charge whenever you have questions or your circumstances change. Knowing in advance exactly how much you are paying for advice and understanding that your advisor is only working for you brings substantial peace of mind.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Timothy Sullivan is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Timothy Sullivan is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Enrolled Agent with the IRS (EA)
    Timothy Sullivan is an Enrolled Agent (EA) with the IRS

    An enrolled agent is a federally authorized tax practitioner empowered by the U.S. Department of the Treasury to represent taxpayers before the Internal Revenue Service. Enrolled agent status is the highest credential awarded by the IRS.

  • Alliance of Comprehensive Planners
    Timothy Sullivan is a Member of the Alliance of Comprehensive Planners (ACP)

    Alliance of Comprehensive Planners (ACP) is the community of tax-focused financial planners that operate under the retainer model. Passionately dedicated to superb client service, ACP planners’ only source of income is client retainer fees – not commissions. With an ACP planner, you can be confident you’re getting experience, knowledge, research, and most importantly, advice that is tailored just for you.

Contact Timothy Sullivan

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Office Locations:

  • 555 E Green Meadows Rd
    Suite 7
    Columbia, MO 65201

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