As Managing Partner of Ipswich Bay Advisors, Clifford has over 20 years of employee benefits and human resources experience. Throughout his career, Clifford has built a reputation for effective leadership, communication and administrative skills with an emphasis on quality assurance and excellent client service. As a consultant with Watson Wyatt Worldwide for six years, Clifford provided employee benefits plan design consulting to both small and large employers. To expand his experience, he worked for two large employers as the Director of Employee Benefits managing benefits programs for 25,000 employees across the U.S. With a passion for problem solving and consulting to small and medium sized businesses, he moved to Sentinel Benefits, an employee benefits consulting firm. As Vice President of Health and Welfare Plan Services, Clifford oversaw the business development and operations for Flexible Spending Account, COBRA/Retiree and Form 5500 administration for over 25,000 participants nationally. Clifford transitioned to Vice President of Business Development where his responsibilities included plan design and analysis for Health & Welfare and Retirement benefit programs for small to medium sized companies. In 2007, Clifford joined Ipswich Bay Advisors as a managing partner of the firm to manage the employee benefits consulting business for their clients.

Clifford has life and health insurance licenses in several states, has completed NASD exams Series 6 & 63 and received certification as a Senior Human Resources Professional from the Society of Human Resources Professionals. He has been a regular speaker at Northeast Human Resources Association and New England Employee Benefits Council meetings on a variety of Human Resources and Employee Benefits Topics. Clifford has also been consulted by Employee Benefit News and the Boston Business Journal for his compliance commentary for various employee benefit legislation and is an adjunct instructor for Human Resources and Employee Benefits at North Shore Community College. Clifford holds a Bachelors Degree from Boston University and a Masters of Business Administration from Northeastern University.