Cliff Kwartner

About Cliff Kwartner

Born in Brooklyn. Raised on Long Island. Which basically means I learned early: work hard, be direct, and earn trust.I started in financial services right out of Towson with no shortcuts, just building relationships one conversation at a time. Almost everything I’ve built has come through referrals and strategic partnerships. That’s still how I operate today.Growing up in a family-owned business shaped how I work with entrepreneurs. I watched my dad grind long hours carrying the weight of the business. So when I work with business owners now, I respect their time. Be efficient. Be honest. Deliver real value.A mentor once told me, “You’re playing in the minor leagues. it’s time to join the majors.” That pushed me into a bigger arena and eventually into a leadership role building and growing a brokerage division that partners with independent advisors, CPAs, banks, and firms looking to serve clients at a higher level.What drives me:• Helping business owners keep more of what they earn• Helping advisors grow enterprise value• Building long-term partnerships that actually mean somethingMarried 10 years. Proud dad of two boys. Sports fan. Golfer. Movie buff.If you’re not having fun doing what you do, you’re in the wrong business.High energy. Straight talk. Relationship driven.Those are your Cliff Notes.

Experience

1. Co-general Agent

   First Financial Group

   Mar 2026 — Present

Education

• Towson University

  Bachelor of Science (B.S.)

• Towson University

  Bachelor of Science (BS), Business Administration

  2004 — 2008

Skills

• Investments
• Whole Life
• Life Insurance
• Finance
• Salesforce.com
• Portfolio Management
• Term Life Insurance
• Disability Insurance
• Retirement
• Retirement Planning
• Microsoft Office
• Sales
• Long Term Care Insurance
• Fixed Annuities
• Marketing
• Leadership
• Whole Life Insurance
• Customer Service
• Insurance
• Microsoft Excel