What Clarity Software does

Clarity Software, operating as Financial Cloud Works, LLC (DBA: FinCW), is a US-based SaaS company headquartered in Sewickley, Pennsylvania that develops Break Analytics, a cloud-based IRA planning platform targeted at financial advisors, CPAs, and estate attorneys. The platform is built as a web-based SaaS requiring no installation and runs a shared rule-based calculation engine that powers three integrated modules: Inherited IRA Calculator (post-SECURE Act beneficiary classification, 10-year rule, life expectancy distributions), Roth Conversion Software (multi-year modeling across federal/state tax, IRMAA, Social Security, and inflation), and RMD & QCD Planning (Required Minimum Distributions with the 2026 QCD limit of $111,000 modeled). A proprietary feature called Distribution Smoothing™ differentiates inherited IRA distribution optimization over the 10-year window, and outputs generate client-ready reports in minutes with transparent assumptions.

The business model is annual SaaS subscription with quote-based pricing tied to team size and practice needs, sold through a demo-led enterprise sales motion in which prospects receive personalized walkthroughs using their own client scenarios. The go-to-market targets three primary personas — Independent RIAs, Broker-Dealer Advisors, and Tax & Estate Professionals — with marketing driven by Captain's Blog content, free CE-accredited webinars, case studies, and LinkedIn/Instagram presence. The firm is privately held with no disclosed funding rounds, no parent company, no recorded acquisitions, and no disclosed partnerships, and operates exclusively in the United States.

Name

Clarity Software

Legal name

Financial Cloud Works, LLC

Website

https://pendcalc.com

Company type

Private

Operating status

Operating

Short description

Clarity Software (Financial Cloud Works, LLC) provides Break Analytics, a cloud-based IRA planning SaaS for financial advisors, CPAs, and estate attorneys. The platform models Inherited IRA distributions, Roth conversions, and RMD/QCD planning with built-in SECURE Act compliance.

Ownership category

akta.pro rank

Headquarters

HQ city

Sewickley

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription: Cloud-based subscription software for IRA planning. The company offers tiered pricing for advisors with different team sizes. Revenue is recurring based on subscription model with annual billing implied by multi-year value proposition.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Clarity Software sells Break Analytics, a cloud-based IRA and retirement-tax planning platform built for financial advisors, CPAs, and estate attorneys. The platform models Inherited IRA distributions, Roth conversions, Required Minimum Distributions (RMDs), and Qualified Charitable Distributions (QCDs) with year-by-year projections, scenario comparisons, and client-ready report generation. Delivered as SaaS with no installation required, it is sold via tiered subscriptions based on advisor team size.

Product overview

Clarity Software offers Break Analytics, a unified cloud-based IRA planning platform for financial advisors, CPAs, and estate attorneys. The platform consists of the core Break Analytics engine plus three integrated modules: Inherited IRA Calculator for post-SECURE Act beneficiary planning, Roth Conversion Software for multi-year conversion optimization, and RMD & QCD Planning for retirement distribution strategies. All modules share a common calculation engine, rule-based modeling framework, and client-ready reporting system.

Differentiator

Problem solved

Functional benefit

Brands

• Break Analytics: IRA planning software tool for financial advisors that provides Roth conversion modeling, Inherited IRA distribution calculations, RMD and QCD planning, SECURE Act compliance, and client-ready reporting.

Products and services

• Break Analytics Break Analytics is a cloud-based IRA and retirement-tax planning platform for Independent RIAs, Broker-Dealer Advisors, CPAs, and estate attorneys. It provides year-by-year projections across Inherited IRA distributions, Roth conversions, Required Minimum Distributions (RMDs), and Qualified Charitable Distributions (QCDs), with side-by-side scenario comparison and client-ready report generation. Delivered as SaaS with no installation required.

Quantifiable outcome

• Avoids 25% excise tax on missed Inherited IRA RMDs through automated compliance
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• eMoney Advisor: Comprehensive financial planning software for advisors, owned by Fidelity. Includes retirement income, tax, and estate planning modules that overlap with Break Analytics' IRA planning capabilities, serving the same RIA/broker-dealer buyer at larger enterprise scale.
• MoneyGuide: Established financial planning platform used widely by financial advisors for goal-based planning, retirement projections, and tax modeling. Comparable as a competitor in the same advisor toolset, though broader in scope than Clarity's IRA-specific focus.
• Orion Advisor Technology: Large advisor technology platform offering portfolio management, risk tolerance, and financial planning tools. Comparable as a broad incumbent selling planning capabilities to RIAs and broker-dealers, with potential to encroach on niche IRA planning tools.

Direct peers

• RightCapital: Advisor-facing financial planning platform covering retirement, tax, and estate planning for RIAs and broker-dealers. Overlaps with Break Analytics on IRA modeling, RMDs, and Roth conversion, but as part of a broader planning suite rather than a niche-only tool.
• Covisum: Provides Social Security timing and tax planning tools for financial advisors. Comparable in serving RIAs and broker-dealer advisors with specialized planning software addressing complex retirement tax decisions, including IRMAA and conversion strategy.
• NewRetirement: Retirement planning software with deep IRA/Roth modeling, RMD, and tax projection features for advisors and DIY consumers. Overlaps with Break Analytics on Roth conversion modeling, RMD calculations, and advisor-facing retirement planning workflows.
• Holistiplan: Tax planning software purpose-built for financial advisors, integrating with retirement distribution and Roth conversion scenarios. Highly comparable to Clarity's Break Analytics as a specialized, advisor-targeted SaaS in adjacent planning workflows.
• Income Lab: Retirement distribution planning software for advisors, focused on sustainable withdrawal strategies, RMDs, and Social Security timing. Direct overlap with Break Analytics' RMD/QCD and distribution planning capabilities for the same advisor buyer.

Emerging players

• Advyzon: Cloud-based platform for RIAs combining CRM, portfolio management, and financial planning. Comparable as an emerging SaaS suite for independent advisors with retirement planning features that compete for the same buyer wallet.
• Vanilla (firmway): Financial planning software targeting RIAs with retirement income, tax, and estate planning features. Comparable as an emerging competitor to Clarity's niche advisor SaaS, with overlapping retirement and tax modeling use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/watch?v=TRnPROmc2O4
• LinkedInlinkedin.com/company/financial-cloud-works
• Instagraminstagram.com/p/DJ4ieQXO2of

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clarity Software