We Are In The Business of Helping People Retire Sooner Than They Thought...

Are You Ready To Retire Sooner?

We Are In The Business of Helping People Retire Sooner Than They Thought...

Are You Ready To Retire Sooner?

Structured to Always Put Your Interests First

Since 1985, we’ve taken a different approach—one built entirely around our clients.
Not just for the sake of being different, but because we believe putting people first creates better outcomes. As fiduciaries, we are required to put our clients’ interests first.

401(k) Maneuver is a service offered through Royal Fund Management, with whom we are affiliated

How We Can Help

Investment Management

We build tailored investment strategies based on your goals, timeline, and risk tolerance. Whether you're growing wealth, preserving capital, or generating income, we help you invest with confidence—so your money works as hard as you do.

Cash Balance Plan

Smart business owners are using this strategy to help quietly strengthen their retirement plans - are you?

Making Retirement Money Work - As Seen in My Forbes White Paper ~

What People Are Saying

Great company to do business with!!

- Kirby, T

This is a voluntary testimonial by a non-client. Individual was not provided any product, service or benefits in exchange for their statement.  There is no material conflict of interest present. Testimonials are a representation of personal experience and do not reflect the view of the Investment Adviser Representative, Royal Fund Management, LLC or its affiliates.   Jim Clifford is an Investment Adviser Representative of and advisory services offered through Royal Fund Management, LLC, a SEC registered Investment Adviser.

Northpoint Financial we find is a positive experience. Jim and his team will always be available in person, phone, email. Your needs and expectations will be met with professional and positive results.
To them there is no dumb question and you are treated like a VIP.
Investing with Northpoint will be an exciting experience. Let them teach you the experience of investing. We did and have done well."

- Darrell, L

This is a voluntary testimonial by a verified client. Client was not provided any product, service or benefits in exchange for their statement.  There is no material conflict of interest present. Testimonials are a representation of the client experience and do not reflect the view of the Investment Adviser Representative, Royal Fund Management, LLC or its affiliates.   Jim Clifford is an Investment Adviser Representative of and advisory services offered through Royal Fund Management, LLC, a SEC registered Investment Adviser.

I couldn’t recommend Jim enough! He is knowledgeable, trustworthy, and genuinely cares about helping people make smart financial decisions. It’s rare to find someone who combines professionalism with such a personal touch. If you are looking for a financial advisor go with Jim!

-Malaya, S

This is a voluntary testimonial by a non-client and former employee. Individual was not provided any product, service or benefits in exchange for their statement.  There is no material conflict of interest present. Testimonials are a representation of personal experience and do not reflect the view of the Investment Adviser Representative, Royal Fund Management, LLC or its affiliates.   Jim Clifford is an Investment Adviser Representative of and advisory services offered through Royal Fund Management, LLC, a SEC registered Investment Adviser.

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Get In Touch

165 State St, Brewer, ME 04412, USA

Royal Fund Management and Northpoint Financial LLC are not engaged in the practice of law or accounting and any advice provided should not be construed as legal or accounting advice. The information discussed and presented herein is intended to serve as a basis for further discussion with your financial, legal, tax and/or accounting advisors. It is not a substitute for competent advice from these advisors.

You may leave the current website at times. These links are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval of any of the products, services or opinions expressed in the link. We accept no responsibility for the accuracy, legality or content of the external site or for that of subsequent links. Contact the external site for answers to questions regarding its content.

INVESTMENT ADVISER REPRESENTATIVE OF AND INVESTMENT ADVISORY SERVICES OFFERED THROUGH ROYAL FUND MANAGEMENT, LLC, A SEC REGISTERED ADVISER  

Jim Clifford does not provide tax or legal advice. Investment advice is offered through Royal Fund Management DBA NorthPoint Financial . To the extent content concerns tax matters, it is not intended to or written to be used, and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.  Insurance products offered through Lifestyle Retirement Solutions LLC.  All insurance policies are subject to the underwriting and specific rules and regulations included in the policy and subject to the financial security of each individual insurance carrier and applicable state and federal laws