Clifford L. Caplan, CFP®, AIF®
Founder & President
Born and raised in Hartford, Connecticut, Cliff quickly learned the importance of planning and managing family finances. His parents divorced when he was young, at the same time his father's business began to deteriorate. Almost overnight, his family's financial condition plunged and his mother was forced back into the labor force. The vivid memories of the financial struggles left an indelible impression on Cliff, and he has never forgotten the lessons he learned from that experience.
Cliff attended the University of Connecticut and graduated with a B.S. in finance. Expecting to enter the world of corporate finance where a master's degree was necessary to advance one's career, he opted to enroll in the MBA program at Boston University, where he graduated with honors. While interviewing with numerous Fortune 500 companies for positions as a financial analyst, Cliff quickly realized that his interests and talents were best suited to working directly with individuals and businesses and assisting them to achieve their financial goals. As a result, Cliff joined a firm in Newton, Massachusetts, that was at the forefront of the fledgling financial planning industry. While operating as Clifford L. Caplan Associates for many years, Cliff transitioned and established Neponset Valley Financial Partners in 1999.
Over his 40 years in the industry, Cliff has gained many certifications and accolades. He earned the CERTIFIED FINANCIAL PLANNERTM designation in 1988 and the Accredited Investment Fiduciary® (AIF®) designation in 2010. For seven years, he hosted a financial topics show on community access television that aired in several southeastern Massachusetts communities. He has written articles for the Boston Business Journal, Wealth Management Business, and Financial Advisor Magazine. His take on various financial topics of the day have been actively sought and he has been widely quoted in various publications and news services, including the Wall Street Journal, Boston Globe, Bloomberg, Business Week, U.S. News & World Report, Boston Business Journal, Associated Press, and Thomson Reuters.
Cliff and his wife, Amy, reside in Sharon, Massachusetts. Their sons, Stephen and Jonathan, have followed their father's footsteps to work in the financial services industry. In fact, Stephen joined the firm in August 2016. Their daughter, Meredith, is married and is a practicing attorney in Pittsburgh specializing in branding and trademarks.
Cliff rigorously exercises so that he can continue to pursue his real passion, playing basketball as the wily veteran with a group of younger players. He is a diehard UConn basketball fan and has attended many of their most memorable games over the years. Cliff and Amy love to travel and attempt to take at least one memorable trip each year.
Stephen W. Caplan, CSLP™
After spending nearly 4 years in New York City as an investment consultant, Stephen returned to the Boston area to join Neponset Valley Financial Partners in August 2016.
Stephen believes that money, if used consciously, is a powerful tool that can be leveraged to help people live life as they choose.
He understands, though, that managing money is hard.
The default human tendency is to operate in ways that are not aligned with our financial goals & values. People get caught up in things that are not truly important and unwittingly use money in ways that are not meaningful.
Additionally, he recognizes that the majority of financial news & information being peddled is distracting and often harmful. It is very difficult to know who and what to follow.
His mission is to earn his clients trust; to serve as their financial counselor; to use his expertise to help them spend, save, & invest their money purposefully.
Stephen currently lives in Fenway-Kenmore area of Boston and spends his time exercising, cooking, following sports, taking long walks, and spending time with his friends & family.
Following the birth of her second child, Noralee joined NVFP as a general office clerk in February 1996. After displaying an ability to quickly master tasks and procedures, her responsibilities expanded to office manager. While her main function is to effectuate all essential administrative tasks for clients, she is also responsible for ensuring that the operations of the office run smoothly.
Born and raised in Stoughton, Massachusetts, Noralee continues to reside in her childhood home with her husband, Seth, and her children, Kristy and David. She loves animals, and has numerous dogs, cats, and chickens in a coop in her backyard. During weekends and vacations in the summer, Noralee can be found relaxing and enjoying the serenity of her cabin in Maine, where she enjoys reading at the beach.
Born and raised in Southeastern Massachusetts, Christine earned an associate’s degree in science from Quincy College. For 14 years, she worked for trade show producer, The Interface Group in Needham, Massachusetts, as a show operations coordinator. When she married and began a family, Christine opted become a stay-at-home mom to raise her two children.
When her youngest child, Colleen, was a junior in high school, Christine decided it was time to re-enter the work force and she joined our practice in May 2015. Her responsibilities include preparing reports for client reviews, updating scheduled meetings and tasks for the office, and documenting essential changes in the lives of our clients in our client management system.
Christine resides in Mansfield with Colleen and her son Cameron during the summer. She enjoys reading, scrapbooking, and cross stitching while at home and travels often to the University of New Hampshire to attend Colleen's choir performances.