Henry Cluver

Henry Cluver had an unusual two-career path. He is a graduate of the University of Notre Dame and of the University of Pennsylvania, where he earned his Doctor of Dental Medicine (DMD). After dental school he served two years of active duty as a Lieutenant in the United States Navy Dental Corps, then opened a private dental practice in Broomall, Pennsylvania, where he practiced dentistry for 38 years before retiring in 2011.

In midlife he pursued a longstanding interest in financial planning, passing the CFP Board Examination in November 1999. He began working part-time with Johnson Securities (Malvern, PA) and Financial Planning Solutions, Inc. (Media, PA), before joining RTD Financial Advisors in 2009 as an Associate Financial Planner.

At RTD Financial — a Philadelphia-headquartered independent RIA with roughly four decades in business, offering personal wealth management, employer retirement plan solutions, and trust/nonprofit investment management — Cluver focused on financial life planning and retirement planning for individual clients. He holds the CFP®, ChFC®, and AIF® designations.

Per RTD Financial's Form ADV Part 2A/2B brochure filed March 2026, Henry Cluver is no longer listed as an Investment Advisor Representative at the firm, suggesting he has since retired from or stepped back from the practice. (His individual RTD team-page URL now returns a 404, consistent with his departure.)

Henry Cluver does not operate as an angel or venture investor, so there is no startup investment thesis to report. His professional focus, as documented, is:

• Personal financial life planning and retirement planning for individual clients.
• Fiduciary, advice-driven wealth management within RTD Financial's RIA model (personal wealth management, retirement plans, trust investment management).
• No verifiable check sizes, sector theses, or startup criteria exist — the stub's "Seed Round / Angel" framing is not supported by any source found.

No angel or startup portfolio companies could be verified — none appear to exist. Aggregator databases that tag "RTD Financial Advisors" as an investor do not attribute any named venture/seed deals to Henry Cluver personally. Reporting specific deals here would require fabrication, so none are listed.