As a senior vice president of investments, Clifford J. Mulder helps his clients develop, implement and monitor their retirement and financial plans – with each plan personalized based on each individual’s goals, risk tolerance and time horizon. "I believe in clear and frequent communication to keep your investments on track toward your financial objectives," Cliff emphasizes, “and recommend that we meet in person to review your plan at least on an annual basis.”
Strong relationships are important to him, whether a client is new or someone he has worked with for several years. That is one reason he chose to affiliate with Raymond James & Associates. The firm understands and supports his practice not only by providing quality investment alternatives and outstanding service, but by respecting the relationships he has with his clients. Cliff’s clients primarily reside in southwestern Michigan, although he has a significant number of clients in Grand Rapids, Chicago and 12 other states.
An 18-year veteran in the financial services industry, Cliff served as a financial consultant with Prudential Securities from 1993 – 1999, and as a senior vice president with NatCity Investments from 1999 – 2005. He earned his bachelor's degree in economics from Kalamazoo College and master's degree from the University of Georgia, as well as completing his series 7 and series 65 licenses. In 1998 he received the Career Builder Award from Prudential Securities and was deemed one of the top fifty bank representatives from Bank Investment Consultant Magazine in 2003. From 1999 - 2005 he was ranked in the top 10% of financial consultants at NatCity Investments. Cliff is currently a member of the Chairman's Council* at Raymond James & Associates. Membership is extended to a select group of Raymond James financial advisors who reflect the firm's high standards of independence, innovation, intelligence and integrity.
Originally from Grand Rapids, Cliff and his wife, Brenda, currently reside in Portage. They have four children: Bryan, and his wife, Jessie, live in Chicago where Bryan is an attorney; Keith and his wife, Lisa, live in Houston where Keith is attending medical school at Baylor College of Medicine; Laurel is a graduate of the University of Michigan and is attendning medical school at Michigan State University. Phillip is a freshman at Kalamazoo College.
Since 1985, they have lived in the Kalamazoo area and are strong supporters of their community. Cliff serves as a member of the City of Portage Investment Committee, and the Boy Scouts Endowment Committee. In the past, he has coached little league baseball and soccer, served as a board president for the Voluntary Action Center of Kalamazoo and as treasurer of the Bach Music Festival. When not working with clients, Cliff enjoys reading and traveling with his family.
*Membership is based mainly on assets under management, education, credentials and fiscal year production. Re-qualification is required annually since prior membership is no assurance of future membership.
Bob has 26 years experience in the financial services industry. He started his career with Investors Diversified Services in 1980 with an objective to help people plan their financial future. Today he works for Raymond James & Associates, Inc., which he joined in February 2006. He currently offers financial advice to individuals who need help with their critical financial events: such as retirement, an inheritance or education funding.
Bob holds a bachelor's degree in Chemistry and Biology from Wilmington College and a Master of Science degree in Biochemistry from Wright State University. Bob is also a CERTIFIED FINANCIAL PLANNERTM professional; a certification which enables him to provide professional planning services. To earn the CFP® certification, Bob had to complete an approved educational program, pass a rigorous examination and meet stringent experience requirements. Bob also adheres to a professional Code of Ethics and he fulfills annual continuing education requirements to remain aware of current planning strategies and financial trends.
Bob enjoys scuba diving, particularly in warm water, and combines this with underwater photography specializing in fish and critter behavior. He also enjoys tennis, golf and gardening.
Bob and his wife, Barbara, have two children. Stephen, who is 27, graduated from the Western Michigan University’s School of Aviation and is a First Lieutenant and helicopter pilot in the United States Air Force. Ryan, who is 24, graduated from the University of Michigan’s School of Engineering with a degree in Aerospace Engineering.
As a Senior Registered Associate, Stacy J Caudill assists Cliff in building client relationships and servicing client requests. Stacy believes in providing a top-notch level of service with clients. She subscribes to a full understanding of a person's needs to help facilitate in both a client's retirement planning and financial growth.
Stacy has been a part of the financial services industry for over 15 years. She was employed with Prudential Securities from 1996-1999 as a Sales Assistant and Assistant to the Branch Manager. She joined NatCity Investments in 1999 as a Registered Sales Assistant until her move to Raymond James & Associates in 2005. Stacy has her bachelor's degree in Business Management from Western Michigan University. She holds her series 7, 63, and 65 licenses as well as her health and life insurance licenses. In 2001, Stacy successfully completed client advisor education from NatCity University and in 2002 was awarded Client Service Associate of the Year at NatCity Investments. Most recently, Stacy was awarded Raymond James’ Service 1st award in recognition to her outstanding commitment to service.
Stacy resides in Richland with her husband, Roger. They have three teenage children; Christian and Adam who are seniors at Gull Lake High School and Alexandria (Alex) who is a freshman in college. Stacy really enjoys spending time with family and regularly volunteers with her children's activities and is an active member and volunteer at her church. She is also a member of the Ladies' Library Association in Kalamazoo and serves as a WMU Alumni Admissions Ambassador. In the past, she volunteered as a Cub Scout leader as well as at Paramount Charter Academy where her husband is a teacher. In her leisure time, Stacy enjoys the outdoors, reading, and running in various road races around the Kalamazoo area.
As a Client Services Associate, Julie assists in building client relationships and servicing client requests. Julie believes in providing a superior level of client service, and prides herself on going above and beyond.
Julie came to Raymond James & Associates in February 2011, with a uniquely diversified background. After enlisting in the United States Marine Corps in 1997, Julie’s primary role was serving as an aviation ordnance technician on the FA-18 fighter jets. During her career, she also worked as an aviation maintenance quality assurance representative, and as a Marine recruiter. Julie spent much of her time as a Marine, traveling for various types of training exercises and combat missions. She enjoyed the opportunity to lead and mentor her troops, and was proud serve her nation. Julie retired from the United States Marine Corps as a Staff Sergeant (Enlisted-6), with 11 ½ years of service.
Julie now resides in Kalamazoo, and relishes the opportunity to be with her four parents, and ten year old brother as often as possible. In her spare time, Julie is an avid reader and runner.
About Raymond James
Raymond James is one of the largest independent financial services firms in the United States. Since its beginning in 1962, it has always been a different kind of company – embracing long-term planning and methodical decision-making while staying uncompromisingly client focused. When other firms were simply buying and selling stocks or mutual funds, Raymond James focused on financial planning to help individuals reach their goals. It was the first firm to pioneer that concept – and today it supports its advisors with access to a full range of comprehensive resources, helping them to do the same.
- More than 5,400 financial advisors
- 2 million client accounts
- 2,400 locations (United States, Canada and abroad)
- $268 billion in client assets
- $35 billion managed by its subsidiary asset managers
Raymond James Financial was recently named the best full-service broker in the 2011 SmartMoney annual broker survey for the third time in four years – ranking above Edward Jones, Wells Fargo, UBS, Merrill Lynch and Morgan Stanley Smith Barney.
For more information, visit raymondjames.com.
SmartMoney does not endorse any product or service of Raymond James. The survey criteria included performance of recommended stocks, customer satisfaction, and user-friendliness of account statements and websites. Past performance may not be indicative of future results. Please note that fees and charges will reduce an investor’s return.
