Clef Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Clef Financial is a fee‑only, registered investment adviser that provides discretionary investment management and both ongoing and project‑based financial planning to individuals, high‑net‑worth individuals, and businesses. The firm offers continuous portfolio oversight and advice on retirement planning, estate planning, cash flow, and business planning as part of its service set.
The firm’s investment process is built around asset allocation and Modern Portfolio Theory, with diversified portfolios composed primarily of equities, fixed income, mutual funds, ETFs, municipal securities, and cash equivalents tailored to each client’s objectives and risk tolerance. Accounts are typically managed on a discretionary basis with periodic reviews and the ability for clients to impose reasonable, written restrictions on holdings.
Distinctively for an independent, single‑advisor practice, the firm’s principal operates a separate CPA practice under common control and the advisory brochure discloses that the CPA entity may prepare clients’ tax returns or be engaged for tax and business services. That combination of in‑house tax capability alongside CFP and CPA credentials, plus an explicit focus on business‑owner planning and employee benefits optimization, sets the firm apart from many peers.
Client services
Expertise
Fee options
Project-Based Financial Planning fees range from $1,000 to $10,000; initial financial planning fees $0 to $5,000; ongoing planning fees $300 to $1,500 per month.
$0 - $1,000,000: 1.0% annually $1,000,000+: 0.75% annually
Not specifically stated, but hourly charges are SEC-reported; no specific rate in brochure.
Fee-only: Fees charged as percentage of AUM, fixed fees for financial planning, and hourly charges.
Main office
3719 W. Market St, Ste C
Greensboro NC 27403
Advisors at this office
1
Most active in
North Carolina
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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