Cliff is President and founder of CMR Financial Advisors, Inc., a financial services firm. Cliff provide investment management and retirement income planning for a select group of families primarily in Hawaii. Cliff began CMR with a simple but powerful philosophy: “The best interest of the client is the only interest that matters.”
Cliff currently manages over $150 million in advisory and brokerage assets. When it comes to retirement planning, he believes it is crucial to focus more on controlling risk than maximizing returns, since the primary goal of most retirees is to ensure that they receive a steady income stream from their assets throughout their retirement. Although each client only retires once, Cliff has been through the process many times and has a profound understanding of the challenges and opportunities.
Born and raised in Kahului, Maui, Cliff graduated from Baldwin High School and earned a BA in Economics from the University of Hawaii at Manoa. He began working in financial services in 1987 and is a Certified Financial Planner (CFP®) and Charter Financial Consultant (ChFC). His articles appear regularly on Oceanic Road Runner’s “Around Hawaii” website, www.aroundhawaii.com, and he has been quoted in the Honolulu Star Advertiser and Pacific Business News.
Cliff is a member of the Financial Planning Association and the Hawaii Estate Planning Council. He is the former chair of the Board of Trustees for the Friends of Library Hawaii.
Cliff and his wife Michelle have two children, Stephen and Sheri. Stephen is married and has three boys, Kainoa, Kekoa, and Makana. They live in Seattle Washington. Sheri graduated from Hawaii Pacific University with Bachelor degrees in Finance and Entrepreneurial Studies. She works at CMR Financial Advisors as a Junior Advisor.