Clover Leaf Financial LLC

Clover Leaf provides investment advisory and financial planning services to individuals, high‑net‑worth clients, families, trusts and small businesses, and also works with retirement plan sponsors. Its services include portfolio management (both discretionary and non‑discretionary), financial planning, retirement plan consulting, cash‑flow analysis, and participation in a wrap fee program; the brochure states the firm manages approximately $100,000,000 in regulatory assets.

The firm describes a disciplined, research‑based investment process that emphasizes long‑term strategic asset allocation implemented primarily with diversified, low‑cost ETFs, supported by fundamental analysis, quantitative modeling, periodic rebalancing, and tax‑aware techniques such as asset location and tax‑loss harvesting. It also uses select alternative ETFs (for example, covered‑call or volatility‑managed funds) on a selective basis to enhance income or manage risk when appropriate for a client’s objectives.

Noteworthy disclosures in the brochure include Clover Leaf’s role as a wrap fee program sponsor that bundles advisory, custodial, and most transaction costs, and its affiliation with DPL Financial Partners under which the firm may recommend annuity products and receive approximately 60% of gross annuity compensation when clients use the DPL platform—a relationship the brochure identifies as a potential conflict of interest and describes steps to mitigate. The firm’s brochure also discloses the use of client testimonials in advertising, a practice that is uncommon among similar supported advisers.