Henry Cluver is a Financial Planner with RTD Financial Advisors working in the planning department 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 has practiced dentistry for 38 years, retiring in 2011. He joined RTD Financial Advisors in 2009 as an Associate Financial Planner. Previously, Henry has worked part time with Johnson Securities in Malvern, PA and Financial Planning Solutions, Inc. in Media, PA.
Henry holds the CFP® designation. He has also earned the following designations: Chartered Financial Consultant (ChFC), Accredited Investment Fiduciary (AIF), Chartered Retirement Plans Specialist (CRPS) and Professional Plans Consultant (PPC).
As a practicing dentist, he was frequently exposed to financial advice that was sales driven. Wanting to learn more about the financial services industry, Henry immersed himself in financial courses at The American College in Bryn Mawr and the College for Financial Planning in Denver resulting in his earning multiple professional financial designations. This culminated with his passing the CFP Board Examination in November of 1999.
Having a passion for the financial planning profession and a keen awareness about how he wanted to deliver financial advice, he aligned himself with RTD Financial Advisors. He feels 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. He brings a lifetime of experiences and knowledge to clients from his unique perspective of being on both sides of financial relationships over the years. Henry also teaches 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 seven wonderful grandchildren. He is a former mountain climber, an avid biker, runner, and golfer. He has completed over 30 triathlons.
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 […]