Life Events to Review Estate Plan

Change in Status of Children

  • Birth, Adoption
  • Death, or Disownment

Change in Marital Status

  • Marriage or Re-Married
  • Divorce

Change in Health

  • Considerable changes in one’s own health
  • Changes in a family member’s health

Changes in Financial Status

  • Increase or Decrease in Wealth
  • Estate considerations
  • Tax considerations

Beneficiaries Status

  • Death
  • Mental Capacity
  • Competent Financial Decision-Making Abilities

Moving to Another State

  • Job Transfer
  • Grandchildren, or other family

Buying or Selling a Business

  • Buy/Sell Agreement

Click HERE for a printable version of this list.

Mission Statement

At Clifford Associates (CA) Financial Services, our mission is to enhance our client’s financial security and peace of mind.  We take great care in listening to our client’s needs and objectives, so that we can build customized investment portfolios to help them achieve their financial goals and dreams.


We provide financial and investment services including Registered Investment Advisory Services, Private Portfolio Management, Financial Planning, IRAs, College Savings Plans, Life Insurance and Estate Planning Assistance.


The Summer 2020 Edition of our Quarterly Newsletter is here! Click here to visit our Newsletter page where you can view/print the Summer 2020 Edition or any other of our archived quarterly newsletters which contain advice and tools to help you navigate the myriad of financial news and trends.

Securities and advisory services offered, in states where licensed, exclusively through representatives of KMS Financial Services, Inc., Member FINRA / SIPC and an SEC Registered Investment Advisor.


This site is for informational purposes only and is not an offer to sell or a solicitation of an offer to buy any securities or investment advisory services which may be referenced herein. We may only offer services in states in which we have been properly registered or are exempt from registration. Therefore some of the services mentioned may not be available in your state, and if not, the information is not intended for you.

KMS Financial Services