Cliff Neill

Cliff Neill

Partner / Registered Principal

Cliff is a Partner, Co-Founder, and Co-Regional Director, of Asset Management Group.  As a Registered Principal, a Registered Investment Adviser, OSJ Supervisor, and the Branch Manager for the Chico Regional Office, he has an established relationship with Cetera Advisor Networks LLC., for more than 25 years.  Cliff has been a resident of Chico, California for over 43 years where he began his career in the financial services industry. Cliff graduated Summa Cum Laude from U.C. Santa Barbara, where he holds a B.A. degree in Philosophy. Cliff and his wife Julia have been married for 39 years, and have two grown children. For relaxation Cliff enjoys visiting his daughters, playing golf, water-skiing, fly fishing and camping.


The correct investment process always takes precedence over any particular investment product. The investment process begins by assessing each client’s unique risk tolerance and investment objectives. These two factors form the foundation for a custom-tailored portfolio, using Asset Allocation. Each portfolio is distinct and is based on unbiased, objective, client oriented investment services.

He believes that by specializing in risk evaluation and portfolio management, he is able to design unique investment portfolios generated to meet each client’s comfort levels, investment objectives (“goals”), risk tolerance, and financial situation.

Suitable investment management is grounded in the accurate command of both the client’s and advisor’s expectations, so maintaining good client communication and education is crucial to its success.


Cliff’s preferred method of engagement is to hire him as a fee-based Registered Investment Adviser (RIA). This type of contract forms a fiduciary relationship between the adviser and client, and eliminates any potential conflict of interest arising from the adviser being compensated by commission

The fiduciary standard of care consists of three main points:

¨ First, the professional adviser should ensure that the interests of the customer come first, and any remaining conflicts must be knowingly consented to by the customer.

¨ Second, the professional adviser should provide counsel with skill, care, and diligence based upon information that is known, or should be known, about the customer's investment objectives, risk tolerance, financial situation, and other needs.

¨ Lastly, the adviser should disclose material conflicts of interest, avoid them when possible, and obtain informed customer consent to act when such conflicts cannot be reasonably avoided. As a fiduciary, the adviser must always act in the client’s best interest and this principle forms the core of the adviser/client relationship.


Cliff served on the Chico Chamber of Commerce’s Education Committee between 1990 and 1995 and was a member of the Chamber’s Board of Directors from 1995 to 2000. In addition to his Chamber activities, Cliff was the Business Advisor for the Junior Achievement Program at Pleasant Valley High School from 1991-1993, served on the Business Advisory Board for the CSUC Students in Free Enterprise (SIFE) and the CSUC Students for the Advancement of Global Entrepreneurship (SAGE) programs, assisted with the Detwiler Foundation’s 1994-1995 “Computers for Classrooms” program, and is a past President of the Chico Unified School District Education Foundation.





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