Henry Cluver is a dentist turned Financial Planner. At RTD Financial, he’s engaged in financial life planning and retirement planning for individual clients. Henry is a graduate of the University of Notre Dame and the University of Pennsylvania, where he received his Doctor of Dental Medicine. He served two years active duty as a Lieutenant in the United States Navy Dental Corps. Following military service, he opened his private office in Broomall, PA where he practiced dentistry for 38 years, retiring in 2011.
After leaving his dental practice, Henry pursued his passion for financial planning. He got his start working part time with Johnson Securities in Malvern, PA and Financial Planning Solutions, Inc. in Media, PA. He joined RTD Financial in 2009 as an Associate Financial Planner. Henry brings a lifetime of experience and knowledge to clients, and his unique perspective of being on both sides of financial relationships over the years. He loves sharing these important skills and has taught adult education classes on Personal Financial Planning at Delaware County Community College.
Henry resides in Broomall, PA with his wife Carol. They have three sons and eleven wonderful grandchildren. He is a former mountain climber and triathlete. Today he enjoys golf, cycling and skiing.
Getting to know Henry
What do you enjoy most about working at RTD?
My passion for the financial planning profession and keen awareness about how I want to deliver financial advice, aligned me with RTD Financial. I feel very strongly that any advisor should have both a legal and ethical fiduciary duty to act at all times in the client’s best interest.
What makes you good at what you do?
As a practicing dentist, I was frequently exposed to financial advice that was sales driven. Wanting to learn more about the financial services industry, I immersed himself in financial courses at The American College in Bryn Mawr and the College for Financial Planning in Denver, earning multiple professional financial designations. This culminated with passing the CFP Board Examination in November of 1999.
What’s the best piece of advice you’ve received?
In any profession dealing with personal interactions and advice, whether dentistry or financial planning, I remember the quote “no one cares how much you know, until they know how much you care”. Once the client knows that you truly care about them, that is when a trusting relationship can begin.
Professional Designations & Memberships
Handling IRMAA Appeal and Form SSA-44
The income-related monthly adjustment amount, or IRMAA, is a surcharge that high-income earners may pay in addition to their Medicare Part B and Part D premiums. Individuals interested in appealing their IRMAA must submit the appeal via a form and the overall process can seem daunting, but we have helped many clients through it with […]
Medicare 101 – What to Keep in Mind When Signing Up
Medicare has been around since 1965 and although it has grown topsy-turvy thanks to multiple Congresses, the program can be easily understood once you remove all the distracting information. Usually, once people are on Medicare, they’re left wondering what was all the fuss about? The apparent complexity arises from the alphabet soup of descriptive letters […]
Understanding Reverse Mortgages
For many, home ownership is considered part of the American Dream. Your home can also represent your largest financial asset. What happens when you spend down your retirement savings and your remaining assets are tied up in home equity? Income becomes an issue and you may be forced to sell your house; but what if […]