Clements and Associates

What Clements and Associates does

Clements and Associates (legal name: Clements Financial Services) is a private wealth management and financial advisory firm headquartered at 4243 Dunwoody Club Drive, Suite 101, Atlanta, Georgia. Founded in 1978, the firm employs between 11 and 50 people and serves individual investors and families with comprehensive planning services spanning investment management, retirement planning, estate planning, insurance, and tax planning. The firm positions itself around personalized, face-to-face advisory relationships and markets a particular focus on women's financial planning and life-transition events such as divorce or widowhood.

The firm delivers services through a partnership-driven platform architecture rather than proprietary technology. Brokerage and securities services are offered through Cetera Wealth Services LLC, and investment advisory services are offered through Cetera Investment Advisers LLC, with the firm operating under the Avantax community within Cetera. Client experience tooling is provided by eMoney (financial planning), Wealthscape (investor portal), and the Avantax Client Portal, while content marketing and the firm website are powered by FMG Suite. No proprietary software products, apps, or APIs are offered.

The business model combines asset-based investment advisory fees (recurring, AUM-based) with transaction-based brokerage commissions. Specific fee schedules are not publicly disclosed. Client acquisition is sales-led and executed through direct referrals, community networking, and educational content marketing, including a Refer-a-Friend program and a resource center covering retirement, estate, investment, insurance, tax, and lifestyle topics. The firm's operating geography is the U.S. Southeast, with international clients explicitly excluded.

Name

Clements and Associates

Legal name

Clements Financial Services

Website

https://clementsandassociates.com

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

11–50 employees

Short description

Clements and Associates is a private, Atlanta-based wealth management and financial advisory firm founded in 1978, serving individual investors and families with investment, retirement, estate, insurance, and tax planning delivered through the Cetera/Avantax platform ecosystem.

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Estate & Legacy Planning Advisory (FSAEAAAG), Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

• Wealth management
• Retirement planning
• Investment advisory
• Estate planning
• Financial planning

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Investment Advisory Services: Fee-based investment advisory services where Investment Adviser Representatives receive fees based on assets under management (AUM).
2. Brokerage Services: Transaction-based brokerage services where Registered Representatives receive commissions on securities transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Clements and Associates (operating as Clements Financial Services) is a wealth management and financial advisory firm that delivers personalized investment advisory, retirement planning, estate planning, tax planning, and insurance advisory services to individual investors and families. Securities and brokerage services are offered through Cetera Wealth Services LLC, and investment advisory services are offered through Cetera Investment Advisers LLC within the Avantax community.

Product overview

Clements Financial Services operates as a wealth management and financial advisory firm offering comprehensive financial planning services. The firm provides tailored strategies addressing individual client needs and goals. Services include investment management, retirement planning, estate planning, insurance services, tax planning, and general financial advisory. The firm is affiliated with Avantax and Cetera Wealth Services LLC, offering brokerage and investment advisory services through registered representatives. The company does not appear to offer distinct software products or technology platforms; instead, it delivers financial services through personalized consultation and planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Advisory Services Fee-based investment advisory services offered through Cetera Investment Advisers LLC, where Investment Adviser Representatives receive fees based on assets under management (AUM). Designed for individual investors and families seeking ongoing portfolio management aligned with personalized financial goals.
• Brokerage Services Transaction-based brokerage services offered through Cetera Wealth Services LLC (member FINRA/SIPC) where Registered Representatives receive commissions on securities transactions. Provided for individual investors and families executing securities transactions.
• Retirement Planning Comprehensive retirement planning strategies addressing retirement readiness, wealth accumulation, and legacy planning for individuals and families.
• Estate Planning Estate planning advisory to help clients create lasting legacies, including charitable giving strategies and wealth transfer for individuals and families.
• Tax Planning Tax-focused financial planning and tax optimization strategies integrated within the wealth management offering, supported by the firm's tax-focused positioning within the Avantax community.
• Insurance Advisory Insurance needs assessment and advisory as part of a comprehensive wealth management strategy for individual investors and families.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• Cetera Wealth Services LLCcoreChannel Partner/ Reseller/ DistributorSecurities and brokerage services offered through Cetera Wealth Services LLC, a registered broker-dealer and member of FINRA/SIPC. The firm is part of the Avantax community within Cetera.
• Cetera Investment Advisers LLCcoreChannel Partner/ Reseller/ DistributorInvestment advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Provides the regulatory and compliance framework for advisory services.
• AvantaxcoreChannel Partner/ Reseller/ DistributorAvantax is a distinct community within Cetera Wealth Services LLC. The firm operates under the Avantax brand for tax-focused financial planning and wealth management services.
• eMoneycoreTechnology or IntegrationFinancial planning platform used for client portfolio analysis, retirement planning projections, and comprehensive financial planning tools. Clients can set up access through eMoney.myavantax.com.
• WealthscapecoreTechnology or IntegrationInvestor login platform provided through Cetera/Avantax for clients to access and monitor their investment accounts and portfolio holdings.

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Raymond James Financial Services: Diversified financial services holding with a large independent-advisor channel offering investment advisory, retirement, and estate planning to individuals and families — same hybrid fee/commission model as Clements but at national scale.
• Avantax (Cetera community): The tax-focused wealth management community within Cetera in which Clements itself operates. Compares directly because peer firms within Avantax deliver the same holistic advisory/brokerage stack to individuals and families using the same eMoney/Wealthscape infrastructure.
• Edward Jones: Large national wealth advisory franchise targeting individual investors and families with retirement, estate, and investment planning. Comparable client segment and service mix, with a much broader geographic footprint.
• Cetera Financial Group: National broker-dealer and RIA platform that hosts Clements through its Avantax community. Offers the same hybrid advisory/brokerage model, registered investment advisory, and back-office services to affiliated independent advisors.
• Charles Schwab (Schwab Wealth Advisory): Major incumbent offering wealth advisory and retail brokerage to individuals, with both advisor-led and digital channels. Represents the fee-compression competitive backdrop facing Clements and serves the same individual-investor segment.
• Ameriprise Financial: Diversified financial services company with a large advisor channel delivering investment advisory, retirement, estate, and tax planning to individuals — directly overlapping Clements' holistic planning offering.
• Northwestern Mutual: Comprehensive financial planning provider combining investment advisory, retirement, estate, and insurance planning for individuals and families. Same 'one advisor, full plan' value proposition as Clements, at national scale.

Direct peers

• Hightower Advisors: Hybrid RIA platform serving individual and family clients with comprehensive wealth management, including investment advisory, retirement, estate, and tax planning. Highly comparable business model to Clements: advisor-led, fee-based AUM, partnership-driven distribution.
• Fisher Investments: Independent investment advisory firm serving individual investors and families with discretionary portfolio management and retirement/wealth planning. Highly comparable AUM-fee revenue model and individual-investor focus.
• Cambridge Investment Research: Independent broker-dealer/RIA platform supporting affiliated advisors who deliver investment advisory, retirement, estate, and tax planning to individuals and families — structurally analogous to Clements' Cetera/Avantax affiliation model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CPACharles
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clements and Associates