Cliff founded Shum Financial Group in July 2013 after spending the first 15 years with American Express Financial Advisors, Financial Network Investment Corporation and Edward Jones Investments. The move away from the big investment firms has given Cliff greater flexibility and investment options to further individualize client needs.

Ross, Sinclaire & Associates, LLC (RSA) is a regional, full-service securities brokerage and investment banking firm dedicated to innovative strategies and superior client service.

The RSA staff is a diverse group of professionals experienced in municipal finance and retail brokerage. In addition, RSA has a network of relationships with mutual funds, banks, and broker/dealers throughout the investment community.

The team at Defined Financial Planning is dedicated to helping clients dig deeper to clarify and prioritize their goals. Whether planning for retirement or navigating one of life’s many financial transitions, they help clients achieve optimal results by building a customized financial solution.

Services include customized financial planning, investment management, and insurance services.

Kevin Kennedy LLC provides independent wealth management services to individuals, families, and business owners in the Alameda area. We partner with you to design a highly personalized, comprehensive financial plan based on your individual needs and goals. We can provide the big-picture oversight that you need to succeed by working with your legal and tax advisors to coordinate your overall financial life while managing your investments.