Clifford Financial Planning, Inc.

06/11/2026

⚽️The FIFA World Cup KICKS off TODAY!🏆

The international championship for the world’s 🌎 most beloved sport 🥅 begins today, hosted by the United States🇺🇸, Mexico 🇲🇽 Canada🇨🇦. Here are some intriguing financial stats and facts about the World Cup:

⚽️Real Madrid is the most valuable team in the world, estimated at $9.5 Billion (according to Forbes)
⚽️FIFA overall operating budget is estimated at $3.76 billion (according to NY Times)
⚽️FIFA estimates it will earn approx $8.9 billion in revenue for the World Cup (Yahoo Finance)
⚽️Each of the 48 teams is guaranteed a base participation payout of $9 million (according to NY Times)
⚽️The champion team will be awarded $50 million (according to NY Times)
⚽️Christiano Ronaldo has the highest net worth estimated at $1.4 billions (according to Forbes)

✨Let the games begin! 🙌

06/11/2026

⁉️Trump Accounts open on July 4th. A few questions are worth considering:

➡️ Our baby 👶 is 18 months old. Do we qualify for the $1,000?

Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?

No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?👧🧒

Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?👩‍🦳👨‍🦳

Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?

State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Call or email Russ today for more information.

📨 [email protected]
☎️ (707) 526-1203

06/09/2026

🏦 The Bank of Mom & Dad 🏦

Most parents think the last tuition check means game over for college🎓. The data says it's halftime.

50 percent of parents with adult children still provide regular financial support, spending $1,474 a month to do so. That's more than twice what they're putting toward their own retirement.

Here's what "just helping out a little" actually looks like:

✅ 75 percent of parents aged 45+ are financially supporting at least one adult child, even though over half of those children can meet their own basic needs, according to a 2025 AARP survey.

✅ 42 percent of supporting parents report financial stress. 9 percent have retired early because of it.

✅ 47 percent say they've sacrificed their own financial position for the sake of their kids.

✅ 18 percent say the support could continue indefinitely. They don't see an end in sight.

This isn't about being less generous. It's about being intentional.

Whether your kid just graduated, graduated five years ago, or is still in school, the question is the same: Is your support happening by design or by default?

That's worth a conversation.

☎️ (707) 526-1203

06/04/2026

💲THRIFTY THURSDAY TIPS 💲

Looking for the ultimate budget-friendly weeknight plan? The local night markets have you covered! 🛍️🌙 Here are just a few local opportunies for live entertainment, vibrant community energy, and local art installations without spending a single dime on admission. 🎸🎨
👇 Where is your favorite local night market? Drop the location in the comments to help out your fellow thrifty neighbors! 👇

06/02/2026

The "Men’s Underwear Index" remains a legendary economic proxy. 🙈
This month's chart 📈 is thanks to past Fed Chair Alan Greenspan, who tracked men's underwear 🩲 sales as a proxy for consumer confidence. What do you think the new Fed Chair will watch?

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05/29/2026

Happy National 529 Day 🎉

👀📊Check out the potential benefits of starting early and saving consistently. With a 529 plan, even modest monthly contributions can grow significantly over time.

Here are a few points to consider:
📚 529 plans are an effective college savings vehicle with potential tax advantages.
📚Any family member can contribute or even set up a plan (Grandparents love this!).
📚Withdrawals for education expenses are federally and usually state tax-free.
📚Under certain conditions, some funds can now be rolled over into a Roth IRA.

Starting early can make a big difference! Call our office today to help guide you through the process of starting a 529 plan.

☎️ (707) 526-1203



A 529 plan is a tax-advantaged college savings plan. Before choosing a plan, it's important to consider not only the state tax treatment, but also any associated fees and expenses. Availability of a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws. If you make nonqualified distributions, earnings will be subject to income tax and a 10% federal penalty tax.

05/27/2026

Markets don't take vacations. But your strategy is built for the bumps.

05/25/2026

05/21/2026

After years of saving and preparing, some retirees hesitate to spend.

That's understandable.

But retirement isn't only about preserving what you've built. It's about using it to support the life you want to live.

The first year isn't a test.

It's a transition.

And it's okay to take it one step at a time.

If you'd like to talk through what this season looks like for you, we're here.
☎️ (707) 526-1203

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05/20/2026

Retirement gives you time.

A lot of it.

And while that sounds freeing, it can also feel overwhelming at first.

When you're working, much of your day is structured. In retirement, you decide what today looks like.

Some people find it helps to create a little rhythm:
▪️A weekly volunteer day
▪️Lunch with friends
▪️A standing class
▪️Mornings reserved for exercise or hobbies

Not to recreate work — just to have something to look forward to.

Freedom often feels better with a little shape.

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