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Helping You Sustain Your Legacy

No one ever said creating wealth was easy. On the contrary, it takes time, talent, perseverance, commitment, and attention to detail. When you are devoting the better part of your energies to building your personal wealth, how do you find the time to manage it? Many people have a ready response to this... they don’t! What many people want is someone with the expertise, integrity, and experience to coordinate all their personal financial goals into a cohesive plan for reaching financial independence and abundance.

At Clifford Financial Planning, Inc., we believe everyone will leave a legacy. The planners at Clifford Financial Planning, Inc. specialize in the Creation, Preservation, and Transfer of Wealth. To provide the long-term security found in your legacy, you must have a blueprint for success. In the same way that you would not build a home without a blueprint, sustainable, long-term financial success is most easily built as directed by a blueprint.

We work with our clients to identify and prioritize long- and short-term goals and then build the processes which may help enable them to achieve independence and abundance, and leave a legacy that extends beyond the life of the client.

Welcome to the Clifford Financial Planning Home Page

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial planning.

We have created this site as a resource for you to help you gain a better understanding of the concepts behind creating financial abundance and independence, such as: cash-flow planning, debt-management, insurance, investing, retirement, estate planning, and wealth preservation. If you desire, we also want to give you fast, easy access to market performance data.

You will find a wealth of information in the form of newsletter articles, calculators, links to trusted, informative sites, and research reports. We hope you take advantage of this information and visit us often. (Be sure to add our site to your list of "favorites" in your Internet browser, as we frequently update our information and wouldn’t want you to miss any developments in the area of personal finance.)

Our clients hire us to help them make well-informed decisions about money. We at Clifford Financial Planning, Inc. do that by creating a comprehensive, strategic roadmap to point our clients in the right direction toward achieving financial independence. Our relationship is based upon trusted ongoing financial planning, discipline, and guidance.

We are often asked, "Why do I need to pay a financial planner? I can do this myself." That might sound true, and people might be able to do this for a little while. But the stakes are too high; there is too much riding on it. This is about your financial freedom. If you fail in your financial planning efforts, if you lose your ability to retire in the manner you had hoped, you cannot start over. Then what? Social Security as a fallback plan? Work longer? Live on less?

Frankly, the risks are too high to guess at your financial planning and chance getting it wrong.

We hope that you will discover the value of working with skilled professionals which will enable you to pursue your financial goals. We are here not only to help educate you about the basic concepts of financial management, but to learn more about your financial goals and then craft, execute, and manage a Comprehensive Financial Plan created specifically for you.

Contact us today for a free consultation.


Clifford Financial Planning, Inc. is a full-service, independent, financial planning firm and Registered Investment Advisor (RIA) focused on helping our clients achieve financial freedom.

Since 1989, my team and I have been specializing in strategies for the Creation, Preservation, and Transfer of Wealth. One of the primary goals of Clifford Financial Planning, Inc. is to make complex matters simple. Financial planning continues to be a very complicated, multi-faceted endeavor, and we have found that good planning is more personal than financial. We work with our clients to identify and prioritize long- and short-term goals and then build the processes which may help enable them to achieve independence and abundance and leave a legacy that extends beyond the life of the client.

Our desire is to increase our clients' understanding and communicate with them in a manner that builds confidence in their plan. We support our clients in areas such as cash-flow planning, debt management, insurance, investing, retirement, estate planning, and wealth preservation with our nearly 30 years of experience as well as our many professional relationships with specialists in supporting fields.

We would welcome a conversation with you.
(707) 526-1203

Financial Guidance

One-size fits all policies are best left to vacation bike helmets and ponchos. At Clifford Financial Planning, Inc., we specialize in tailoring our plans to not only fit your current situation, but also provide a foundation for future growth. No matter where you are in your financial journey, we strive to take you to the next level.

Protecting your Legacy

Uncertainty creates room for opportunity. At Clifford Financial Planning, Inc., we are able to better solidify tomorrow with comprehensive planning today. As Warren Buffett said, “You can sit in the shade tomorrow because of the tree you planted today.”

Wealth Management

Growing your wealth requires patience, experience, and foresight. With clearly-established goals, detailed financial plans, and our time-tested investment strategies, we will help position you to build long-term profitability through holistic planning.

Insurance Services

A good defense is the best offense. We believe it is important to protect those assets one cannot afford to lose. Insurance often provides the least costly exchange for protecting valuable assets when compared to the dollar-for-dollar cost of replacement. Let Clifford Financial Planning, Inc. surround you and your family with personalized and tailored protection package.

Our Areas of Expertise

Market Summary

College Planning

Education can be one of the best career investments one can make. With the rising cost of education, it can potentially be very expensive. Managing or limiting the impact of college tuition requires a forward-thinking plan. Clifford Financial Planning, Inc. can help you prepare for one of life’s biggest investments.

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Accounting & Tax Services

Let us handle the details. While we are not CPAs or accountants, we work with the area’s best in the tax planning field. We serve as your coordinator and conduit of information so that your business and/or personal tax preparer has all the information needed to help manage your affairs so tax season doesn’t seem so daunting.

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Corporate Sponsored Retirement Planning

Managing your company’s qualified and non-qualified retirement programs can be complicated, but Clifford Financial Planning, Inc. can make it more manageable. Our time-tested benefit strategies position your company sponsored plans in such a way as to greatly increase the likelihood of your financial success all the way through retirement.

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