About Timothy J. Clifford CFP®

Investors cannot control the market’s direction, up, down or sideways. What they can control are costs, taxes, and the quality and risk of a portfolio. We help clients do this by using technology and our experience in the industry. Cost matters. Taxes make a difference. Aligning quality investments to a person’s risk tolerance and time horizon is important. We help with all four and we make it simple. Timothy Clifford is a CFP® and has been both an investor and an advisor for 25+ years. Using his experience at Charles Schwab, H&R Block, and Ameriprise, he started Core Wealth Consultants in 2012 to help investors invest even better.

Transitioning From Self-Directed Investing to Utilizing an Advisor

Are you one of the 54 million investors, out of 90 million, that self-directs your own investments?  If yes, does your spouse have the aptitude, desire, and knowledge to invest his/her own investments too?  If they do not, you might consider having a strategy to transition from using a Self-Directed Model to an Advisory Model [...]

By | 2017-09-21T06:46:02+00:00 September 21st, 2017|Articles, Blogs|Comments Off on Transitioning From Self-Directed Investing to Utilizing an Advisor

P.S. I love You – Not Very Romantic, but Practical Guide to Hiring A Financial Advisor

I know a lot about investments, my wife knows very little. And when I started my investment practice in 2012. I built it on the foundation of my investment experience to provide an offering that had access to high-quality investments, was cost effective and could provide me a way to quickly and easily assess a [...]

By | 2017-09-01T09:58:40+00:00 August 30th, 2017|Articles, Blogs|Comments Off on P.S. I love You – Not Very Romantic, but Practical Guide to Hiring A Financial Advisor

Six Risks to Your Retirement Plan

Retiring successfully is a common goal, and although the definition of retiring successfully varies from person to person, having financial well being does seem to be a common term and ultimate target. Since “Financial Well Being” can be subjective, we are going to use Running out of money as an indication that a person's Financial [...]

By | 2017-08-03T12:20:53+00:00 July 21st, 2017|Articles, Blogs|Comments Off on Six Risks to Your Retirement Plan

Diversification, the Same Old Story? Not Really.

As I was doing the Quarterly reviews I came across a performance report that I think helps to tell part of a new diversification story.   Most of you know what diversification is. Don’t put all your eggs in one basket. Have some in stocks, and bonds, and cash.  Invest in the U.S. and Internationally.  This list [...]

By | 2017-08-03T12:20:54+00:00 July 6th, 2017|Articles, Blogs|Comments Off on Diversification, the Same Old Story? Not Really.

The Importance of Identity Monitoring

I know most of us, like the companies we do business with, are careful with our personal information.  This is not enough, though!   Sometimes it is not data we shared recently that is to blame for a breach in our identity.  It could have been from something we shared 15 or more years ago with [...]

By | 2017-08-03T12:20:55+00:00 June 1st, 2017|Articles, Blogs|Comments Off on The Importance of Identity Monitoring

H2H – Human to Human Service Models

When it comes your investments, consider having at least a portion of them in an H2H service model.  I know, some of you are saying, what's H2H?  It's a term used to describe how a business serves clients. In other words, they help clients human to human — versus computer to human. Just the fact [...]

By | 2017-08-03T12:20:55+00:00 March 3rd, 2017|Articles, Blogs|Comments Off on H2H – Human to Human Service Models

3 Services People Should Not Do Themselves

DIY...Do-It-Yourself is the rage. Home Depot, E-Trade, TurboTax, LegalZoom, all have DIY business models, and the list goes on. In this age of do-it-yourself, I caution you not to fall into the potential trap of doing the following 3 things yourself:  Do not do your own taxes. Do not invest your own money.  And do [...]

By | 2017-08-03T12:20:55+00:00 February 13th, 2017|Articles, Blogs|Comments Off on 3 Services People Should Not Do Themselves

The Cost and Benefit of Investment Advice

Investment advice can be one of the larger expenses when it comes to investing your money. In this article, we’re going to break down the investment landscape as it relates to fees.  My goal is to help you, the investor, better understand how investment fees work, what the Average Advisory Fee is and lastly, why [...]

By | 2017-08-03T12:20:56+00:00 February 11th, 2017|Articles, Blogs|Comments Off on The Cost and Benefit of Investment Advice

Hiring a Financial Advisor? Here are the Questions to Ask.

Peter Mallouk does a great job highlighting the common mistakes many investors encounter in his book entitled “5 Mistakes Every Investor Makes And How to Avoid Them”.  It is a very well written and informative book.  If you haven’t yet read it, I highly recommend you do so.   One of the 5 mistakes he identifies [...]

By | 2017-08-03T12:20:56+00:00 January 25th, 2017|Articles, Blogs|Comments Off on Hiring a Financial Advisor? Here are the Questions to Ask.

Social Security: Myths vs. Facts

Social Security will go away before you do. The federal government has announced that Social Security may become insolvent between 2033 and 2037 if no action is taken – but it is practically a given that Congress will act on the program's behalf.

By | 2017-08-03T12:20:57+00:00 November 28th, 2016|Blogs|Comments Off on Social Security: Myths vs. Facts