CA Financial Services, also known as Clifford Associates, is an independent financial advisory firm based in Lewiston, Idaho. Founded in 1983 by Richard and Vicki Clifford, the firm helps individuals and families work toward their financial goals and greater financial security. Its approach begins with listening to each client’s needs, objectives, and circumstances, then developing customized guidance and investment portfolios. The firm emphasizes fiduciary responsibility and says it operates predominantly on a fee-based basis, without financial incentives to recommend one investment over another. Its investment process focuses on disciplined securities analysis, diversification, and long-term value, seeking reasonable returns while managing downside risk.

CA Financial Services offers registered investment advisory services, private portfolio management, financial planning, individual retirement accounts, college savings plans, life insurance, and estate planning assistance. The firm also provides client letters, quarterly newsletters, educational resources, calculators, and practical planning materials on topics such as taxes, Social Security, Medicare, and estate planning.