top of page

Your Circle of Advisors

Significant financial decisions are rarely simple. They require balancing hard data with your personal values and emotional well-being. Because the complexities of true wealth span tax, legal, investment, and insurance matters, no single individual can master them all. That is why I advocate for building your own "Circle of Advisors"—a network of independent specialists whose combined expertise ensures your financial plan is structurally sound.

​

​

​

 

 

 

A Team of Independent Experts

True wealth management requires specialized knowledge. While I focus on your financial and investment roadmap, I strongly encourage clients to engage external, independent professionals—such as CPAs and estate attorneys—to ensure every specific legal and tax angle is covered by an expert in that field.

The Financial Quarterback

You shouldn't have to translate between your different advisors. While you hire and work directly with your legal and tax experts, PlanAssist® can help coordinate those conversations. We act as a sounding board, ensuring that all your independent professionals are working from the same playbook.

Collaborative Insight

Financial planning shouldn't happen in a silo. When your financial advisor, tax professional, and legal counsel bring their specific insights to the table, it ensures all angles of your situation are considered. This teamwork helps you navigate complex markets and life events with greater clarity.

FOUNDER

Timothy Clifford Financial Advisor In Florida

From the Trading Floor to Your Financial Future

 

My career didn’t begin in a quiet office—it started in the 1980s on the high-energy floor of the Chicago Mercantile Exchange. Moving from a runner to a commodities trader immersed me in the realities of the financial markets and gave me a foundational understanding of how they truly operate.

 

The pivotal shift in my career happened in the 1990s when I joined Charles Schwab & Co. Working closely with highly successful individuals across various industries, I noticed a crucial pattern: there is a profound difference between earning a high income and accumulating significant wealth.

That realization changed my approach. I stepped away from the short-term excitement of trading and dedicated myself to the structured focus of long-term wealth building. By 2012, I had earned my Certified Financial Planner® designation and founded Core Wealth Consultants LLC in Central Florida to help clients manage this exact process.

​

The Origin of PlanAssist

Through my years of advising, I realized that many people actually have a solid grasp of their finances. They know what they need to do, but they often need a nudge, a structured framework, and help organizing their next steps.

Inspired by Charlie Munger’s philosophy that "we can only help those who almost know," I developed PlanAssist®. It is the culmination of my decades of experience, designed to give you the clear, prioritized roadmap you need to build and maintain your wealth.

"Financial success is not an event, but the accumulation of all our decisions over decades."
                                                                      Timothy Clifford

MY EXPERIENCE

1. Managing Partner & Financial Consultant

Core Wealth Consultants LLC · Full-time

Aug 2012 - Present · 10 yrs 11 month

Orlando, Florida, United States · Hybrid

Helping clients with retirement planning and investing.

​

Timothy Clifford position at block finance

3. Vice President

H&R Block Financial Advisors

Feb 1999 - Dec 2008 · 9 yrs 11 month

Indianapolis, Indiana Area

02/1999 to 04/2006 Field Leadership and Sales Management
05/2006 to 12/2008 VP Enterprise Scale & Tax Partnering02.

​

core wealth logo
Timothy Clifford as vice president at ameriprise financial services

2. Vice President

Ameriprise Financial Services, Inc.

Jan 2009 - Jul 2012 · 3 yrs 7 month

Indianapolis, Indiana Area

01/2009 to 01/2011 - RVP Field Leadership and Sales Management
02/2011 to 07/2012 - VP Service Delivery and Integration

​

Timothy Clifford as branch manager at charles schwab

4. Branch Manager

Charles Schwab

Apr 1990 - Jan 1999 · 8 yrs 10 mos

Indianapolis, Indiana Area

Sales management and worked directly with clients

​

ADV Part ||  - Part 2 Of Firm Brochure 

Privacy Policy 2026

​

Disclosure - All written content on this site is for information purposes only. Opinions expressed herein are solely those of Core Wealth Consultants, LLC and our editorial staff. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Core Wealth Consultants, LLC a Registered Investment Advisor in the States of Florida, Indiana and Michigan. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the States of Florida, Indiana, Michigan or where otherwise legally permitted. Content should not be viewed as an offer to buy or sell any of the securities mentioned or as legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation. Core Wealth Consultants, LLC is not engaged in the practice of law. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours. Diversification and asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment loss.

 

© 2024  All Rights Reserved - PlanAssist®  

bottom of page