Henry Cluver, CFP®, ChFC, AIF®

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

Accredited Investment Fiduciary®
Chartered Financial Consultant
Chartered Retirement Plans Specialist
Professional Plans Consultant
Chartered Advisor for Senior Living