Helping you reach your retirement and financial goals, one step at a time.

“As a Registered Investment Adviser, I stand by the Fiduciary Oath”

The Fiduciary Oath…

I will always put your best interests first.
I will act with prudence; that is, with the skill, care, diligence, and good judgment of a professional.
I will not mislead you, and I will provide conspicuous, full and fair disclosure of all important facts.
I will fully disclose and fairly manage, in your favor, any unavoidable conflicts.
I will avoid conflicts of interest.

The Steps We Take To Help You Succeed Financially

1. Transparent Education

First…to remove any confusion you have about investments, so you have a clear understanding of why investing is an essential step towards financial freedom.

2. Strategic Planning

Second…to create a custom strategic “easy to understand” plan that best suits the needs and long term goals for you and your families financial future.

3. Consistent Action

Third…to encourage you to take consistent action to achieve the financial goals we have created together. Without action, nothing happens.

Why Work With A SmartVestor Pro?


We are committed to educating and empowering you to help you achieve your investing goals.

Client First Mentality

SmartVestor Pros don’t just offer a single company’s investment choices; they can shop around to help you reach your goals.

Long Term Focus

Like Dave, SmartVestor Pros believe that eliminating debt and investing for the long term is the ideal way to build wealth and prepare for retirement. No account is too small to get started.
Cliff Downie, Dave Ramsey and Rachel Cruz
Dave Ramsey
Dave Ramsey is a personal money management expert, an extremely popular national radio personality and best-selling author of The Total Money Makeover. In his latest book, a follow-up of his enormously successful New York Times best-sellers Financial Peace and More Than Enough, Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others.

Cliff Downie

I have been helping families in the Inland Empire/Orange County area on their financial planning and banking for the past 15 years. As a financial planner, my goal is to advise and educate my clients and their families about their overall financial picture. For example, helping with retirement planning, investments and college saving. It is my goal, through education and communication, to be my clients trusted advisor. I am honored to be the trusted financial advisor to my clients and their families. I also work with other professionals in helping my clients with estate planning, taxes and insurance. While serving my clients I strive to maintain an integral role in the service of my community as well as helping individuals in a professional capacity. Check the background of this financial professional on FINRA’s BrokerCheck

About Cliff…

Cliff and his wife, Christine have been married for 10 years.  They have two daughters, Desiree and Delilah.  They love being outdoors and have visited many of the parks in southern California.  They enjoy going camping, hiking and boating.  Also they are volunteers in their local community and help plan many of the events throughout Aliso Viejo. In his free time, Cliff has completed many triathlons and Spartan races. Also helps coach his girls’ soccer team.  And he is a big fan of the Los Angeles Chargers.





26050 Acero, Mission Viejo, CA 92691


Meeting locations available in the following cities: Anaheim, Brea, Cerritos, Costa Mesa, Irvine, La Palma, Newport Beach, Orange, Ontario, Riverside and San Bernardino”

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Check the background of this financial professional on FINRA’s BrokerCheck

Securities and investment advisory services offered through FSC Securities Corporation, member FINRA/SIPC and a registered investment advisor. Insurance services provided through Downie Financial Group, not affiliated with FSC Securities Corporation.

Investments in securities involve risk, including the potential loss of principal invested.

IMPORTANT: We do not provide customer service or enable financial transactions through this site. Should any client of the firm have questions or concerns that are specific to their account(s), please contact me at 951-708-6774 or You should never post personal, account or transaction information anywhere on this site.

Working with an advisor that subscribes to the SmartVestor Pro network cannot guarantee investment success or that financial goals will be achieved. There can be no assurance that working with a SmartVestor Pro will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program. Advisors pay a fee to belong to the SmartVestor Pro program. Dave Ramsey and the Dave Ramsey SmartVestor Pro program is not affiliated with FSC Securities Corporation and is not sponsored or endorsed by FSC Securities Corporation.

Registered Representative may only discuss/and or transact securities business with residents of the following states: CA, IL, KY, NE, NM, OH, TX

Downie Financial Group Clifford Downie, Financial Planner CA insurance license 0E31337 Branch office phone # 951-708-6774 or 714-815-7257 Branch office address: 26050 Acero, Mission Viejo, CA 92691 Email: