# Josh Clifford

> Josh Clifford is a fee-only financial advisor at Quoinage Capital LLC in Austin, Texas, who holds the CFP, CFA and CPA credentials. Josh charges an ongoing planning fee and focuses on tax planning, estate & legacy planning and retirement planning.

Page: https://find.wellspent.co/advisors/josh-clifford/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Quoinage Capital LLC
- **Based in:** Austin, Texas
- **Fee model:** Ongoing planning fee
- **Assets under management (firm):** $63.3M across 106 accounts
- **Credentials:** CFP, CFA, CPA, MPA
- **Specialties:** Tax planning, Estate & legacy planning, Retirement planning, Small business owners, Equity compensation
- **CRD:** 6100592 (https://adviserinfo.sec.gov/individual/summary/6100592)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 63 (2017)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://quoinage.com

## Frequently asked questions

### Is Josh Clifford a fee-only financial advisor?

Yes. Josh Clifford is listed in the XY Planning Network directory (XYPN members are fee-only) and the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Josh's firm.

### How does Josh charge for financial advice?

Josh charges an ongoing planning fee.

### Where is Josh Clifford based?

Josh Clifford is based in Austin, Texas.

### What does Josh specialize in?

Josh's specialties include tax planning, estate & legacy planning, retirement planning, small business owners and equity compensation.

### What credentials does Josh Clifford hold?

Josh Clifford holds the CFP, CFA, CPA and MPA credentials.

### Is Josh Clifford registered with the SEC?

Yes. Josh Clifford is registered as an investment adviser representative in TX (CRD 6100592), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Quoinage Capital LLC manage?

Quoinage Capital LLC reports $63.3M across 106 accounts in assets under management.

### How do I contact Josh Clifford?

Through Josh's website, quoinage.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/josh-clifford-10379): XYPN members are fee-only
- NAPFA directory listing: NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://quoinage.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.