Clifford L. Caplan, CFP®, AIF®
Founder & President
Born and raised in Hartford, Connecticut, Cliff quickly learned the importance of planning and managing family finances. His parents divorced when he was young, at the same time his father's business began to deteriorate. Almost overnight, his family's financial condition plunged and his mother was forced back into the labor force. The vivid memories of the financial struggles left an indelible impression on Cliff, and he has never forgotten the lessons he learned from that experience.
Cliff attended the University of Connecticut and graduated with a B.S. in finance. Expecting to enter the world of corporate finance where a master's degree was necessary to advance one's career, he opted to enroll in the MBA program at Boston University, where he graduated with honors. While interviewing with numerous Fortune 500 companies for positions as a financial analyst, Cliff quickly realized that his interests and talents were best suited to working directly with individuals and businesses and assisting them to achieve their financial goals. As a result, Cliff joined a firm in Newton, Massachusetts, that was at the forefront of the fledgling financial planning industry. While operating as Clifford L. Caplan Associates for many years, Cliff transitioned and established Neponset Valley Financial Partners in 1999.
Over his 39 years in the industry, Cliff has gained many certifications and accolades. He earned the CERTIFIED FINANCIAL PLANNERTM designation in 1988 and the Accredited Investment Fiduciary® (AIF®) designation in 2010. For seven years, he hosted a financial topics show on community access television that aired in several southeastern Massachusetts communities. He has written articles for the Boston Business Journal, Wealth Management Business, and Financial Advisor Magazine. His take on various financial topics of the day have been actively sought and he has been widely quoted in various publications and news services, including the Wall Street Journal, Boston Globe, Bloomberg, Business Week, U.S. News & World Report, Boston Business Journal, Associated Press, and Thomson Reuters.
Cliff and his wife, Amy, reside in Sharon, Massachusetts. Their sons, Stephen and Jonathan, have followed their father's footsteps to work in the financial services industry. In fact, Stephen joined the firm this past August. Their daughter, Meredith, was recently married and is a practicing attorney specializing in branding and trademarks.
Cliff rigorously exercises so that he can continue to pursue his real passion, playing basketball as the wily veteran with a group of younger players. He is a diehard UConn basketball fan and has attended many of their most memorable games over the years. Cliff and Amy love to travel and attempt to take at least one memorable trip each year.
Stephen W. Caplan
Stephen literally grew up in the industry, as his dad has been a financial planner for longer than he has been alive. While he was not necessarily aware of exactly what his dad did for a living, he did recognize the positive impact he seemed to have on people’s lives. Often when he was with his dad, they would run into his clients who expressed how thankful they were for his services. Stephen promised himself at an early age that he too would make a difference in people’s lives.
As he approached college, Stephen developed an interest in the financial services industry and took it upon himself to become educated on the topic. His interest intensified in college, where he earned a B.S. in finance from the University of Rhode Island. Stephen’s enthusiasm continued to grow, and he eagerly accepted a position at Mainstay Investments in New York City shortly after graduation. In his role at Mainstay, he served as an investment consultant to financial advisors. During his four-year tenure, he recognized that his real passion was working directly with his own clients, just as his father had been doing for decades. With the framework already in place, Stephen decided in August 2016 to move back to the Boston area to join his father at Neponset Valley Financial Partners
Stephen loves to travel, and his fascination with Italian culture and love for their food spurred him to study abroad in Florence, Italy, for a semester in college. He considers this period one of the most enlightening and educational experiences of his life. Upon moving back to Boston, he has attempted to recreate this experience by living in the North End, where he can often be found exploring one the many superb Italian restaurants in the neighborhood. He has a passion for all of the Boston sports teams and took great pleasure in gloating to jealous New Yorkers over the 2013 Red Sox World Series championship and 2014 Patriots Super Bowl victory.
Following the birth of her second child, Noralee joined NVFP as a general office clerk in February 1996. After displaying an ability to quickly master tasks and procedures, her responsibilities expanded to office manager. While her main function is to effectuate all essential administrative tasks for clients, she is also responsible for ensuring that the operations of the office run smoothly.
Born and raised in Stoughton, Massachusetts, Noralee continues to reside in her childhood home with her husband, Seth, and her children, Kristy and David. She loves animals, and has numerous dogs, cats, and chickens in a coop in her backyard. During weekends and vacations in the summer, Noralee can be found relaxing and enjoying the serenity of her cabin in Maine, where she enjoys reading at the beach.
Born and raised in Southeastern Massachusetts, Christine earned an associate’s degree in science from Quincy College. For 14 years, she worked for trade show producer, The Interface Group in Needham, Massachusetts, as a show operations coordinator. When she married and began a family, Christine opted become a stay-at-home mom to raise her two children.
When her youngest child, Colleen, was a junior in high school, Christine decided it was time to re-enter the work force and she joined our practice in May 2015. Her responsibilities include preparing reports for client reviews, updating scheduled meetings and tasks for the office, and documenting essential changes in the lives of our clients in our client management system.
Christine resides in Mansfield with Colleen and her son Cameron during the summer. She enjoys reading, scrapbooking, and cross stitching while at home and travels often to the University of New Hampshire to attend Colleen's choir performances.