Raymond Clifford
Raymond Clifford is a registered investment advisor at Capital Analysts, based in Worcester, MA, with 43 years of industry experience. Raymond operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Investment Management, Retirement Planning. Their firm serves 17,698 clients with $8.7B in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Capital Analysts offers investment management through various programs. The fees you pay will depend on the specific program you choose, the custodian holding your assets, your advisor's fee, and whether you select a wrap fee or non-wrap fee program.
Your advisor's fee is negotiable, up to a maximum of 1.25% of the assets they manage or advise. The specific fee and billing details will be outlined in your investment advisory agreement.
Location
57 Cedar St., Worcester, MA, 01609
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Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business ActivitiesSells Insurance
Raymond is a principal at Clifford and Rano Insurance, selling various insurance products, dedicating about 10-20% of his time. He also holds positions as VPres of Clifford & Rano Realty Trust, shareholder of Smokestack Inc., and shareholder of Ollo Pizza LLC, but these require minimal time commitment.
Employment History
Current Registrations
Capital Analysts
Lincoln InvestmentBroker
Previous Registrations
Lincoln Investment
Legend Advisory CORP
Legend Equities CorporationBroker
Legend Capital CorporationBroker
The Lincoln National Life Insurance CompanyBroker
Cna Investor Services, INC.Broker
State Registrations22 states
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.