Cliff and AAFS bring over 21 years of experience in reviewing, analyzing and creating successful retirement plans and investment strategies. "I enjoy meeting people who have devoted their lives to making this country great! At retirement, many people suddenly find themselves faced with monumental financial decisions that they are unequipped to make on their own."

"I welcome the opportunity to save people time and energy while providing them peace of mind. Knowing that when they are ready to retire their life's financial goals will be met and a plan in place is comforting. I help clients everyday with estate planning, setting up tax advantaged savings plans, IRA's both Traditional and Roth. Whether you are most comfortable with investments or life insurance, I take a look at your long term goals throughout your earning life so you are best prepared for retirement."

Cliff is a partner with Agency Associates Financial Services (AAFS), a Certified Senior Advisor (CSA) and a Chartered Life Underwrite (CLU). He is part of a national network of financial professionals trained to help seniors properly attend to everyday challenges such as tax reduction and asset preservation.

Cliff earned his BA degree from Albion College and his MBA from Indiana University. He also studied at The American College in Bryn Mawr, Pennsylvania, considered to be the nation's leading financial service professional's college.