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.

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 |July 6th, 2017|Articles, Blogs|Comments Off

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 |June 1st, 2017|Articles, Blogs|Comments Off

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 |March 3rd, 2017|Articles, Blogs|Comments Off

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 |February 13th, 2017|Articles, Blogs|Comments Off

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 |February 11th, 2017|Articles, Blogs|Comments Off

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 |January 25th, 2017|Articles, Blogs|Comments Off

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 |November 28th, 2016|Blogs|Comments Off

Year End Checklist

The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of your financial life to think about as this year leads into the next...

By |November 28th, 2016|Blogs|Comments Off

Analyze Your Investments

A good investment strategy starts and ends with the ability to easily analyze an investor’s investments.  Can you tell how a specific portfolio has done year to date?  How it has performed versus the S&P 500 based on multiple/different time frames?  How it has performed versus other portfolios you might have?  I find most investors […]

By |August 19th, 2016|Articles, Blogs|Comments Off

Foundation to Investing Successfully: Knowledge – Confidence – Discipline

Investors have a lot of websites, people, and companies providing opinions.  Some of it is good advice, while some is not so good. The challenge for most of us as investors is deciphering what we should listen to and what we should ignore.  I have found it helpful to ‘triage’ the information around knowledge, confidence, […]

By |August 16th, 2016|Articles, Blogs|Comments Off