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Clifford Kwan

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Background & Family Life

Born and raised in Southern California, Cliff has made a life full of love and purpose alongside his cherished wife, Shannon. Their journey together began in 2007, and their love has grown stronger with each passing day. Cliff and Shannon are proud parents to three wonderful boys: Daniel, Ethan, and Joshua who ensure that every day is a new opportunity for growth, laughter, and shared experiences.

When Cliff is not spending time with his clients, he enjoys time with his family. Whether it’s cheering on his sons at their soccer and football games or coaching their basketball teams, Cliff is always there to support and guide them. Beyond the sports field, Cliff and his family enjoy participating in their church community.

“Cliff's dedication to his clients is exemplified by his over 20-year tenure in the industry. He thrives on the analytical side of business and investments, but what truly keeps him going is the profound impact he has on the lives of those he serves. What sets him apart is not just the depth of his financial knowledge and professional experience, but the genuine care and concern he brings to his work.

– Ken Moraif

Business Philosophy

For Cliff Kwan, retirement planning is a passion deeply rooted in his desire to help people achieve their financial dreams and goals. He understands that each person’s financial situation is as unique as their fingerprint, and he believes that personalized service is the key to providing the right financial solutions.

One of Cliff’s greatest satisfactions comes from helping his clients plan for the retirement they deserve. He is dedicated to doing everything he can to help his clients turn their retirement dreams into reality. In his own words, Cliff states, “One of my greatest satisfactions is helping a client plan for the retirement they desire because everyone deserves a secure and independent retirement.”

Cliff says clients often come to him with apprehension and leave with a burden lifted from their shoulders. He feels he doesn’t just make a difference in their financial lives but helps to transform their overall quality of life. For Cliff Kwan, retirement planning is more than a profession; it’s about leaving a lasting legacy of positive change in the lives of those he touches.

Education

BA, Business Administration with an emphasis in Financial Planning, California State University, Fullerton

Chartered Retirement Planning Counselor™

Certified Financial Planner®

Prior Business Experience

Financial Advisor, Retirement Planners of America, 2014-Present

Financial Advisor, Financial Strategies – Wealth Management Group, 2005-2014

Financial Representative, Northwestern Mutual Financial Network, 2001-2004

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RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Retirement Planners of America has attained a certain level of skill, training, or ability. The “Invest and Protect Strategy” (the “Strategy”) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. Retirement Planners of America previously employed a similar strategy that it referred to as the “buy, hold, and sell” strategy or “buy hold, and protect” strategy. Past performance does not guarantee future results. Therefore, current or prospective clients should not assume that the future performance of the Strategy, any specific investment, or any other investment strategy that Retirement Planners of America recommends will be profitable or equal to past performance levels. All investment strategies have the potential for profit or loss. References to recommendations made under the Strategy that predate 2011; and statements such as and similar to: “we told our clients to be out of the market in 2007 and 2008,” “we told our clients to get back into the market in 2009,” and “clients that followed our advice were out of the market in 2008;” refer to strategies collectively employed and recommendations collectively made by Retirement Planners of America’s principals while employed at Eagle Strategies, LLC., and also at Cambridge Investment Research Advisors, Inc. Three of the five principals remain as principals today, including the Retirement Planners of America’s founder, Ken Moraif. 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