Clifton P. Higgs

BFC PLANNING

Denton, TX 76207

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CRD#: 5492596

Professional summary

Clifton Paul Higgs, who also goes by Cliff Paul Higgs, is a registered financial advisor currently at BFC PLANNING, INC. located in Denton, Texas and SECURITIES MANAGEMENT & RESEARCH, INC. located in Denton, Texas.

Clifton is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2008. Clifton has worked at 6 firms and has passed the Series 66, Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Cliff Paul Higgs

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1. CLIFF HIGGS-N-HICKORY CREEK, TX-INDEPENDENT INSURANCE AGENT-AGENT-01/2017-.5-01-HEALTH INSURANCE. 2. AMERICAN NATIONAL-N-DENTON, TX-INDEPENDENT INSURANCE AGENT-MLGA-10/2019-10-02-TRAIN AND RECRUIT. 3. THE HERITAGE GROUP-Y-DENTON, TX-DBA NAME-OWNER-07/2018-160-160-INSURANCE AND SECURITIES DBA NAME. 4. Heritage Insurance Group of Texas- N- Denton, TX- P&C Insurance- Sole Member- 09/2024- 10- 0- Selling property and casualty insurance.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Clifton Paul Higgs's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

January 3, 2017 - Present

BFC PLANNING, INC.

Office #1: 311 N I-35e Suite 110, Denton, TX 76207

RIA

CRD#: 119682

Denton, TX

Current

January 3, 2017 - Present

SECURITIES MANAGEMENT & RESEARCH, INC.

Office #1: 3311 N. I-35e Suite 110, Denton, TX 76207

CRD#: 759

Denton, TX

Past

February 1, 2013 - January 10, 2017

CAMBRIDGE INVESTMENT RESEARCH ADVISORS, INC.

RIA

CRD#: 134139

COLLEYVILLE, TX

Past

February 1, 2013 - January 10, 2017

CAMBRIDGE INVESTMENT RESEARCH, INC.

CRD#: 39543

COLLEYVILLE, TX

Past

October 6, 2011 - February 22, 2013

MML INVESTORS SERVICES, LLC

RIA

CRD#: 10409

SOUTHLAKE, TX

Past

February 26, 2010 - February 22, 2013

MML INVESTORS SERVICES, LLC

CRD#: 10409

SOUTHLAKE, TX

Past

October 22, 2008 - February 4, 2010

NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC

CRD#: 2881

GRAPEVINE, TX

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

BFC PLANNING, INC.

1ST & MAIN INVESTMENT ADVISORS - ADVISORY SERVICES OFFERED THROUGH BFC PLANNING, INC. | GREAT LAKES BAY FINANCIAL | BFC PLANNING, INC. | BERTHEL FISHER & COMPANY PLANNING, INC. | BEDROCK INVESTMENT ADVISORS, LLC

CRD#: 119682 / SEC#: 801-67427

RIA

Registered Investment Advisory firm - (1/3/2007 Approved)

Iowa

Registered Investment Advisory firm - (3/5/2007 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Alabama
(11/8/2021)

Arkansas
(9/16/2022)

California
(1/3/2017)

Kansas
(1/2/2020)

Minnesota
(11/28/2018)

Ohio
(4/2/2019)

Oklahoma
(1/2/2019)

Texas
(1/3/2017)

IAR

Texas
(1/3/2017)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 66

Date: 9/22/2011

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 11/18/2008

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 12/20/2009

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 10/21/2008

Investment Company Products/Variable Contracts Representative Examination

SRO Registrations

FINRA

Current Firm

BFC PLANNING, INC.

CRD#: 119682 / SEC#: 801-67427

RIA

Registered Investment Advisory firm - (1/3/2007 Approved)

Iowa

Registered Investment Advisory firm - (3/5/2007 Terminated)

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Contact information

Main Address

4201 42nd Street Ne Suite 100, Cedar Rapids, IA 52402

Mailing Address

Phone number

(319) 447-5700

Established

Firm type

Fiscal year end

# of Employees

200

SEC notice filing (51 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

BFC PLANNING ADV PART 2 (3/26/2025)

Regulatory assets under management

Total Number of Accounts	8,756
AUM (Assets Under Management)	$ 2,026,848,859

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Clifton P. Higgs

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Clifton Paul Higgs's CRS (Customer Relationship Summary).

Certified licenses

Experience

SECURITIES MANAGEMENT & RESEARCH, INC.

CAMBRIDGE INVESTMENT RESEARCH ADVISORS, INC.

CAMBRIDGE INVESTMENT RESEARCH, INC.

MML INVESTORS SERVICES, LLC

MML INVESTORS SERVICES, LLC

NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC

Primary Firm SEC Registration

BFC PLANNING, INC.

State Registrations and Notice Filings

Exams

Series 66

Date: 9/22/2011

Series 63

Date: 11/18/2008

SIE

Date: 10/1/2018

Series 7

Date: 12/20/2009

Series 6

Date: 10/21/2008

FINRA

Current Firm

BFC PLANNING, INC.

Contact information

SEC notice filing (51 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

BFC PLANNING, INC.

TRUST BUT VERIFY

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