Andrew Clemens, CFP®
Vice President,
Financial Advisor
Direct:
(614) 798-3278(614) 798-3278
My Mission Statement
Helping You Plan for the Future with Greater Clarity and Confidence
My Story and Services
Throughout my career as a Financial Advisor, I’ve come to realize that clients want more than a monthly statement or even decent investment returns. They want to know that their Advisor is there for them to help them pursue their financial goals. They want to understand how their Advisor hopes to get them to their financial destination without undue risk. And above all, they want to feel valued and confident that their Advisor will always place their needs first and foremost when developing strategies on their behalf.
I place special emphasis on helping my clients understand the challenges they face and the potential solutions available to them. That means taking the time necessary to explain those solutions and why I’m recommending them. My clients know that they can continue to count on me to be there when they have questions, reservations or simply need reassurance that they have made the right decisions for themselves and their families.
I place special emphasis on helping my clients understand the challenges they face and the potential solutions available to them. That means taking the time necessary to explain those solutions and why I’m recommending them. My clients know that they can continue to count on me to be there when they have questions, reservations or simply need reassurance that they have made the right decisions for themselves and their families.
Securities Agent: KY, AL, AK, MN, HI, CT, IA, AR, MS, DC, ME, LA, DE, MA, KS, ND, NC, MT, NE, NH, NJ, MD, MO, NM, NY, CA, ID, IL, IN, OH, CO, FL, PA, OK, MI, NV, PR, OR, RI, SC, TX, WV, GA, AZ, SD, VA, TN, VI, UT, VT, WI, WA, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2216901
NMLS#: 2216901
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
As a Certified Financial Planner™, I place major emphasis on helping my clients create a financial plan that serves as a roadmap to their most important goals. My process for working with clients is as follows:
Getting to Know You
Who are you as a person, not just an investor? What do you hope to achieve for yourself and your family? What do you value and what do you hope to pass on to your children and community? Our conversations will explore your aspirations, apprehensions and unique circumstances. Only when I have a thorough understanding of these will I proceed to the next phase of my process.
Creating Your Customized Plan
As a Morgan Stanley Financial Advisor, I have access to a sophisticated financial planning platform that can help you understand where you are in relation to your most important goals and what you must do to achieve those goals within your required timeframe. That involves working together to quantify the cost of your objectives, take inventory of your finances and determine whether you have a gap to fill. Based on our findings, we will develop strategies that include your investments but go far beyond to encompass other dimensions of your financial life.
Implementing Your Plan
After presenting your plan to you, I work closely with you to bring it to life. That may entail additional consultation with team members and other Morgan Stanley professionals who focus on estate planning, lending strategies and other disciplines relevant to your situation. And it will also involve the development of a customized investment strategy designed to meet your risk tolerance, as well as the goals we identified together.
Ongoing Evaluation
Are you proceeding as anticipated toward your financial destination or is an adjustment required? I monitor your performance on an ongoing basis and may alter our strategies to accommodate changing circumstances in your life or trends in the financial markets. When those markets turn turbulent, as they do from time to time, you can count on me to help you understand what’s going on and avoid emotional decisions that may impede your long-term progress.
Investing Your Assets
The plan we develop together is only as strong as the way in which it is implemented. Morgan Stanley’s Consulting Group researches hundreds of third-party investment management organizations annually for not only performance, but such criteria as:
• Risk
how much risk does a manager assume to generate return versus other alternatives available to you?
• Attribution
what percentage of return is directly attributable to the expertise of its manager?
• Style drift
are your managers really who they claim to be or did they fail to adhere to their purported style under certain market conditions?
• Organizational strength
do your managers depend on the talents of one individual or is there a cadre of experienced professionals managing by a proven process?
I work closely with Consulting Group professionals to further refine the selection process and recommend managers whom we believe are best qualified to help you meet your goals within your required timeframe and risk tolerance. Typically, your portfolio will consist of mutual funds, exchange traded funds (ETFs) and if appropriate, alternative investments like hedge funds real estate and private equity.
Biography
I joined Morgan Stanley in 2021 after building my practice for 12 years at Huntington Financial. I take great pride in my ability to always be there for clients and place communications high on my list of priorities.
The clients I advise are very much like the neighbors I grew up with in Wauseon a small town not far from Toledo, Ohio. They include business owners, farmers, professors, retired professionals and working people, all of whom are concerned about planning for transitions in their lives. As a Certified Financial Planner™, I’ve always tried to help my clients understand the challenges they face and the potential solutions available to them. Finance can be complex, but it doesn’t have to be incomprehensible. I take the time necessary to explain the strategies I recommend to my clients and why I’m recommending them. They can continue to count on me to be there when they have questions, reservations or simply need reassurance that they have made the right decisions possible for themselves and their families.
I graduated from Ohio State’s Fisher School of Business with a degree in Business Administration. I reside in Columbus and when I’m not advising clients, I can often be found spending time with my family.
The clients I advise are very much like the neighbors I grew up with in Wauseon a small town not far from Toledo, Ohio. They include business owners, farmers, professors, retired professionals and working people, all of whom are concerned about planning for transitions in their lives. As a Certified Financial Planner™, I’ve always tried to help my clients understand the challenges they face and the potential solutions available to them. Finance can be complex, but it doesn’t have to be incomprehensible. I take the time necessary to explain the strategies I recommend to my clients and why I’m recommending them. They can continue to count on me to be there when they have questions, reservations or simply need reassurance that they have made the right decisions possible for themselves and their families.
I graduated from Ohio State’s Fisher School of Business with a degree in Business Administration. I reside in Columbus and when I’m not advising clients, I can often be found spending time with my family.
Location
545 Metro Place South
Suite 300
Dublin, OH 43017
US
Direct:
(614) 798-3278(614) 798-3278
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Andrew Clemens today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
