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Josh Clifford, CFP®, CPA, CFA

Investment Strategist

Professional Experience

Josh joined ML&R Wealth Management in 2022. He manages portfolios, implements trading processes, and helps advisors with investment-related content through the investment policy committee and client meetings.

Previously, Josh managed tax-sensitive separate accounts for ultra-high net worth families and multi-billion-dollar mutual funds at an institutional money manager. He managed portfolios at several private wealth management firms, and prior to joining ML&R Wealth Management Josh founded an investment consulting firm helping other investment advisors with their investment lineups, investment strategies, portfolio design, and client communications.

Industry Focus

  • Quantitative Investing
  • Portfolio Strategy & Management
  • Fund/ETF Selection & Model Design
  • Client Communications and Messaging
  • RIA Founder
  • Tax Planning
  • Retirement Planning


  • University of Michigan, Ann Arbor - Bachelor of Arts in Economics
  • The University of Texas at Austin - Master of Professional Accounting



  • Soccer coach
  • Volunteer at Steiner Ranch Elementary School


  • Finance committee for Community in Schools of Central Texas


  • Certified Financial Planner
  • American Institute of Certified Public Accountants
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