Financial Advisor, Merrill Lynch

The Clifford, Millard & English Group

Global Wealth Management


1020 MARSH ST
SAN LUIS OBISPO, CA 93401

Phone: (805) 5962247
Email:

Directions to Branch

PROFESSIONAL STAFF

David Clifford 805-596-2244 Senior Financial Advisor Vice President View Profile
Cheryl Millard, CFP® (805) 596-2245 Wealth Management Advisor Vice President View Profile
Steve English, CFP®, CDFA™ (805) 596-2247 Wealth Management Advisor View Profile
Michele Muse (805) 596-2248 Reg Senior Client Associate View Profile

PROFESSIONAL PROFILE

The Clifford, Millard & English Group at Merrill Lynch was founded with the goal of delivering the vast resources of one of the world's most prestigious wealth management firms with all of the intimacy and personal service of a boutique firm. By taking a more holistic approach to the wealth management process, we aim to assist a select group of clients with every aspect of their financial lives.

Our Team consists of four experienced professionals who take a "hands on" approach to financial guidance. Our Team members are extremely knowledgeable in a wide range of financial disciplines, including: asset allocation and investment management, retirement plan design and implementation, divorce planning, and retirement income planning. We truly care about helping individuals, families, and businesses achieve financial stability and independence. Because of this, we do everything in our power to keep each client focused on where they want to go, advise them on how to get there, and continually remind them of the importance of maintaining a disciplined approach to achieving these goals.

DAVID CLIFFORD, Vice President, Senior Financial Advisor

David has worked in the financial services industry since 1981. He holds a Bachelor of Arts degree from the University of Colorado. With a career that has seen many sides of the financial markets -- and both sides of the Country, David prides himself on assisting clients in seeing the bigger picture, recognizing patterns, adapting to change, and cutting through the noise.

CHERIE MILLARD, CFP® Vice President, Wealth Management Advisor

Cherie has worked in the financial services industry since 1983. She holds a Bachelor of Science degree in Accounting from California Polytechnic State University, Pomona and she attained her CPA license prior to her move to the financial service industry. Additionally, Cherie holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. Cherie brings intense attention to detail to client relationships. Her extensive knowledge base in the area of personal wealth management is invaluable in helping each client reach their goals.

STEVE ENGLISH, CFP®, CDFA™, Wealth Management Advisor

Steve has worked in the financial services industry since 2003. He achieved his Bachelor of Arts with Honors in Economics from the University of California, Davis. Additionally, Steve holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. Steve brings clients an extensive knowledge of personal wealth management as well as corporate retirement plan design and implementation. Recently, Steve earned the designation of a CERTIFIED DIVORCE FINANCIAL ANALYST™ (CDFA™). Through this designation, he has found a passion for helping clients make positive long-term decisions before, during, and after the very difficult divorce process.

MICHELE MUSE, Registered Senior Client Associate

Michele offers clients over 30 years of experience in the financial services industry. She achieved her Bachelor of Administration degree from the University of LaVerne. Michele brings an immense breadth of knowledge to every client in the areas of: account set-up, online access, asset transfer, and access to banking services through Bank of America, N.A.. Her goal is to give each client the diligence, competence, and professionalism that they need alongside of a level of service that is above and beyond their expectations.


*Asset allocation does not ensure a profit or protect against loss in declining markets.

*Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors.

*Certified Divorce Financial Analyst™ and CDFA™ are trademarks of the Institute of Divorce Financial Analysts™.

Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ in the U.S., which it awards to individuals who successfully complete a CFP Board's Initial and ongoing certification requirements.

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David Clifford is registered to do business in:AR, AZ, CA, CO, FL, GA, HI, ID, MA, MN, NV, OR, TX, UT, VA, WA, WI

Cheryl Millard, CFP® is registered to do business in:AR, AZ, CA, CO, FL, GA, HI, ID, MA, MN, NV, OR, TX, UT, VA, WA, WI

Edward English is registered to do business in:AR, AZ, CA, CO, FL, GA, HI, ID, IL, MA, MN, NV, OR, TX, UT, VA, WA, WI

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