Clifford Financial Planning, Inc.

Clifford Financial Planning serves individual and high‑net‑worth clients, as well as pension and profit‑sharing plans, offering asset management, comprehensive financial planning, and recommendations for third‑party managed programs. The firm prepares customized financial plans and provides ongoing advisory services, assisting clients with implementation and monitoring of recommended outside managers such as Focus Partners Advisor Solutions, Efficient Market Advisors, and Advisors Capital Management.

The firm’s investment approach is long‑term and blends fundamental and technical analysis, with portfolios typically implemented using no‑load or load‑waived mutual funds, ETFs and, when appropriate, individual stocks and bonds. Asset management is carried out primarily on a non‑discretionary basis—Clifford contacts clients and obtains approval before executing changes—and the adviser also helps select and oversee third‑party managers, sometimes using limited authority to transmit trading instructions to custodians.

With about $43 million in assets under management and a single adviser supporting roughly 127 client relationships, the predominately non‑discretionary model distinguishes Clifford from most supported peers and shapes its client communication and trading practices. The firm uses structured fact‑finding and financial‑planning software, provides one year of implementation assistance after plan delivery, and relies on a single custodian relationship (Charles Schwab) while generally not aggregating trades across accounts.