CLIFFORD FINANCIAL PLANNING, INC.

Overview

Clifford Financial Planning, Inc. is an independent, owner-operated registered investment adviser that focuses on individual and family clients. The firm combines financial planning with portfolio management for individuals and small businesses and offers pension consulting services and the selection of outside advisers. Its billing model is flexible—using percentage-of-AUM, hourly, and fixed fees—so it can serve both ongoing portfolio relationships and one-off planning engagements. Investment positioning is tilted toward pooled public funds as the primary vehicle for client portfolios, with third-party manager relationships used where the firm acts as a capital allocator. Clifford Financial Planning, Inc. is not an active ESG investor and it does not present itself as a multi-state adviser. The firm’s advisory model appears to emphasize client-driven, non-discretionary relationships, keeping clients in control of trade decisions while providing planning and manager selection support.

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Location & Offices