Clifton Capital Partners, Inc. was created to help successful investors become and remain financially independent. We are independent investment advisors and brokers. Clients turn to us for ongoing financial advice and investment management.
Licensed Individual's – Clifton Capital Partners, Inc. is not a securities broker-dealer, nor a registered investment advisory firm. The company operates as an entity for hiring non-licensed administrative staff, as a means of leasing office space, and providing various services our licensed individuals may need in order to effectively operate. When you become a client, you are a client of one or more appropriately licensed individuals. These individuals are licensed to operate through their affiliation with our broker-dealer: Cambridge Investment Research, Inc.
Our affiliation with Cambridge Investment Research, Inc. (Cambridge) – We have chosen to affiliate with Cambridge in order to benefit from their extensive service platform and business infrastructure. Financial planning and money management can be a complex business and is very heavily regulated. Ensuring that we adhere to the applicable regulations, that we have access to money management platforms and agreements with most major mutual fund companies can be expensive. Affiliating with a well-established, proven broker-dealer provides us with this essential infrastructure for a much lower cost than if we created the systems ourselves.
Once we affiliate with Cambridge, we agree to be bound by their operating policies and procedures. Cambridge does not dictate nor directly influence our advice to you, our client. Their policies and procedures enable us to not only be appropriately licensed, but Cambridge also provides essential regulatory infrastructure. Their procedures dictate our standards of record-keeping, and ensure we are adhering to the operating requirements imposed upon the money management industry. More information about Cambridge, our affiliation with them, and their operating practices and procedures, as well as ours, is available in form ADV-II A and B.
We place great value in our relationship with Cambridge and view them as a key strategic partner.
Protecting Client Data – We place utmost importance on the protection of any information you share with us. Our policies and procedures prohibit us from sharing your information with any outside party, except in instances where we have your previous authorization, or in those rare instances of being under court order to do so.
We take steps to see that any printed information that contains Personally Identifiable Information is shredded. We encrypt any emails sent to you that might contain Personally Identifiable Information. We rely on data storage services that meet the highest industry standards of data protection and encryption. We arrange the physical layout of our offices so that computer monitors cannot be seen by visitors standing in office common areas.
Business continuation in the event of local emergency – Through our affiliation with Cambridge and our use of additional off-site data duplication, your client information stored with our firm would be accessible in the event of a local or regional emergency or a natural disaster.
Business continuation in the event of the death or disability of a key business principle of Clifton Capital Partners, Inc. – In the event of the death or disability of Greg Clifton or any other key advisor within the practice, a written business continuation plan would ensure an appropriately licensed and trained investment representative would be available to temporarily operate the practice and provide advice to clients while a new local advisor was brought on board. The operating expenses of Clifton Capital Partners, Inc. would be paid by a trust funded with life insurance. The practice would operate for as long as one year, during which time each client could meet the new advisor and make a determination of whether they wish to remain a client. Employees are covered by a written employee retention plan to ensure they remain with the practice during this transition period.