{
  "crd_number": 112978,
  "slug": "clifford-financial-planning-inc-santa-rosa-ca-112978",
  "primary_business_name": "CLIFFORD FINANCIAL PLANNING, INC.",
  "legal_name": "CLIFFORD FINANCIAL PLANNING, INC.",
  "dbas": [],
  "city": "Santa Rosa",
  "state": "CA",
  "country": "United States",
  "cbsa_code": "42220",
  "metro": {
    "cbsa_code": "42220",
    "common_name": "Santa Rosa",
    "msa_name": "Santa Rosa-Petaluma, CA",
    "path": "/advisors/ca/santa-rosa"
  },
  "registration_type": "state",
  "registration_status": "APPROVED",
  "registration_date": "1998-01-01",
  "years_registered": 28,
  "period": "2026-10-01",
  "filing_date": "2026-03-23",
  "carried_forward": false,
  "raum_total": 42859294.0,
  "raum_discretionary": 0.0,
  "raum_non_discretionary": 42859294.0,
  "raum_band": "25m_100m",
  "raum_band_label": "$25 million to $100 million",
  "total_employees": 2,
  "advisory_employees": 1,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 23063690.0,
      "count": 111
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 0.0,
      "count": 0
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 18676719.0,
      "count": 16
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 1118885.0,
      "count": null,
      "fewer_than_5": true
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA"
  ],
  "websites": [
    "https://cliffordfinancialplanning.com",
    "https://facebook.com/cliffordfinancialplanning",
    "https://instagram.com/cliffordfinancialplanning"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/112978",
  "city_as_filed": "SANTA ROSA",
  "url": "https://advisorcensus.com/firm/clifford-financial-planning-inc-santa-rosa-ca-112978",
  "display_name": "Clifford Financial Planning, Inc.",
  "summary": "Clifford Financial Planning, Inc. is a state-registered investment advisory firm in Santa Rosa, CA, registered since 1998, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated March 23, 2026.",
  "citation": "AdvisorCensus. Clifford Financial Planning, Inc. (CRD 112978): Form ADV filing data as of October 2026.",
  "registration_type_label": "State-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services",
    "Selection of other advisers (including private fund managers)"
  ],
  "quick_answers": [
    {
      "q": "How is Clifford Financial Planning, Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Clifford Financial Planning, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "Where is Clifford Financial Planning, Inc. located?",
      "a": "Clifford Financial Planning, Inc.'s principal office is in Santa Rosa, CA, according to its Form ADV."
    },
    {
      "q": "Is Clifford Financial Planning, Inc. registered with the SEC or a state?",
      "a": "Clifford Financial Planning, Inc. is a state-registered investment advisory firm, registered since 1998. Status as filed: APPROVED. CRD 112978."
    },
    {
      "q": "How much does Clifford Financial Planning, Inc. manage?",
      "a": "Clifford Financial Planning, Inc. reports $42,859,294 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (0% discretionary)."
    },
    {
      "q": "What types of clients does Clifford Financial Planning, Inc. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (111); high net worth individuals (16)."
    },
    {
      "q": "Does Clifford Financial Planning, Inc. report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/112978"
    }
  ],
  "filing_history": [],
  "recent_changes": [],
  "fees_from_brochure": null,
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/clifford-financial-planning-inc-santa-rosa-ca-112978.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 111,
      "fewer_than_5": false,
      "raum": 23063690.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 16,
      "fewer_than_5": false,
      "raum": 18676719.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": null,
      "fewer_than_5": true,
      "raum": 1118885.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/112978",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}