Jeffrey Clements, CFP®
Senior Vice President,
Financial Advisor,
Portfolio Manager
Direct:
(863) 499-1521(863) 499-1521
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
Jeffrey has provided wealth management solutions and outstanding service for his clients since 1993. He is a Financial Advisor and has earned the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. In addition, Jeffrey is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing personalized or defined strategies, which may incorporate individual stocks and bonds, model portfolios and third-party investment strategies. When servicing clients through the firm's Modern Portfolio Solutions a Portfolio Manager may manage his strategies on a discretionary basis.
Priding himself in following a disciplined process, Jeffrey provides a comprehensive, customized wealth management solution for each client. His process begins by gaining a clear understanding of the client’s current financial situation and their financial goals as well as their risk tolerance, time horizon, cost considerations, liquidity needs and overall investment goals. He then works with them to create a customized strategy to help them work toward their short and long-term goals, taking into consideration diversification strategies to help reduce portfolio risk and vulnerability to market fluctuations. These strategies can include cash management solutions, retirement planning solutions, lending solutions, and estate planning strategies in concert with the clients’ attorneys to assist in wealth preservation and efficient wealth transfer.
Jeffrey believes that Wealth Management is not a product – that it is a disciplined financial management philosophy built from an objective point of view, designed to meet the unique financial goals of clients, whether those goals include income, growth, wealth preservation or wealth transfer.
Jeffrey lives in Lakeland with his wife Barbie. They enjoy spending time together with family, friends, and Boomer, their Boykin Spaniel.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
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. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan 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
Priding himself in following a disciplined process, Jeffrey provides a comprehensive, customized wealth management solution for each client. His process begins by gaining a clear understanding of the client’s current financial situation and their financial goals as well as their risk tolerance, time horizon, cost considerations, liquidity needs and overall investment goals. He then works with them to create a customized strategy to help them work toward their short and long-term goals, taking into consideration diversification strategies to help reduce portfolio risk and vulnerability to market fluctuations. These strategies can include cash management solutions, retirement planning solutions, lending solutions, and estate planning strategies in concert with the clients’ attorneys to assist in wealth preservation and efficient wealth transfer.
Jeffrey believes that Wealth Management is not a product – that it is a disciplined financial management philosophy built from an objective point of view, designed to meet the unique financial goals of clients, whether those goals include income, growth, wealth preservation or wealth transfer.
Jeffrey lives in Lakeland with his wife Barbie. They enjoy spending time together with family, friends, and Boomer, their Boykin Spaniel.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
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. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan 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
Securities Agent: FL, CT, WA, LA, VA, NV, MA, TN, OH, MD, AZ, SC, NY, DE, TX, OR, MN, MI, IN, NH, ME, CA, MT, WV, CO, AL, WI, PA, NM, NC, IL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 521741
NMLS#: 521741
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Five-Step Process
The Griffith Clements Group adheres to a disciplined approach to managing your wealth. We take the time to get to know our clients and work closely with them to design a customized wealth management strategy to help turn their goals into reality.
1. Introduction Call
We value getting to know our clients on a personal level. Our first call is to introduce ourselves and understand what financial concerns you may have. After presenting the value we'll add, we can schedule a follow up meeting to gain a more detailed understanding of your entire financial picture.
2. Understanding You Meeting
During this meeting, our goal is to come to know you better and to gain a clear understanding of what is most important to you. We will explore your unique concerns, priorities, risk tolerance, time horizon, liquidity needs, goals and current financial situation. This approach puts you at the center of our wealth management process and enables us to develop a more effective, customized plan to most efficiently work toward your goals.
3. Strategy Development
Utilizing the information you have provided, combined with our modern wealth management tools and a wide variety of investment products, we work to develop a customized investment strategy to most effectively help you grow and preserve your wealth and, if you so desire, transfer your wealth to the next generation.
4. Presentation & Implementation
Once we have developed your customized investment plan, we will present it to you, taking great care to make sure you understand and approve of the strategy we have set forth and making any needed changes. Upon your approval, we will take the necessary steps to open your accounts with Morgan Stanley and begin implementing our investment plan.
5. Ongoing Service
Our team is committed to providing outstanding, consistent service throughout our entire relationship. We provide frequent communication and reviews and work with you to adjust your strategy as the inevitable changes in life occur.
The Griffith Clements Advantage
Smart wealth management begins and ends with tailored service and attention to detail. We enjoy working with families and business owners who seek long-term, fully engaged relationships with their advisors and believe the following attributes set us apart from other advisory teams.
Extensive Experience
We deliver a powerful combination of experience and education that is rare in one group of advisors. Our team has nearly 70 years of collective advisory experience(Patrick 29 years, Jeffrey Clements 29 years, Veronica Sullivan 7 years, Kevin 2 years) and includes two CFPs®, one Chartered Retirement Planning Counselor CRPC®, and one Qualified Plan Financial Consultant QPFC . From investment management to estate planning and everything in between, we provide the solutions needed to achieve your life goals. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience with us will be.
Asset Growth and Preservation
As asset managers, we strive to achieve the best possible investment returns in accordance with your desired level of risk. We offer a wide range of strategies that apply long-held investment principles to help your assets appreciate so that you are able to provide the best education for your children and grandchildren, live the lifestyle you envision, and perhaps transfer your wealth to the next generation.
Legacy Planning
Transitioning an estate to the next generation or favorite charity requires a detailed, coordinated approach. We work with your outside estate planning and tax professionals, align estate planning goals with the appropriate asset titling and beneficiary designation requirements, and incorporate tax minimization strategies to help enhance results.
Longevity Planning
Given the increase in life expectancy, we help tailor allocation and income distribution strategies to help you preserve assets, whether they are held at Morgan Stanley or other firms. This includes advice on 401(k) plan assets, life insurance and long-term care plans.
Risk Identification and Management
Life's risks can manifest themselves in many ways --from loss of health to loss of life- and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively address these concerns in a number of ways, ranging from liquidity strategies to insurance reviews.
Lifestyle Management
We pay particular attention to the timing of milestone events, as well as spending patterns to offer you a set of lifestyle guidelines that help assure your retirement - and other key goals - are not compromised. Understanding that our clients' needs are unique, we offer strategies specific to your personal situation.
Clear Communication
We take the time to ask questions, listen carefully, and work to gain a clear understanding of your concerns, priorities, risk tolerance, time horizon, liquidity needs, goals and financial situation. Once we know where your wealth stands today and where you’d like it to be tomorrow, we work with you to develop a strategy that connects your personal goals with financial strategies. We understand the importance of frequent, clear communication and reach out to all our clients on a regular basis to keep abreast of changes in your life, track your progress and adjust strategies as necessary.
Your Single Point of Contact
We commit to being your single point of contact for all things financial. Our disciplined process begins with a thorough financial plan to understand your goals and concerns, which in turn, drives the strategies and services we tailor for you. We will collaborate with your accountant, estate planning attorney, and other professionals within our network to help ensure your plan remains comprehensive, cohesive, and coordinated.
Exclusive Tools Designed Just for You
We provide access to a comprehensive suite of tools to help enhance every aspect of your financial life. Below are a few of the technologies we utilize every day. These tools have been designed exclusively for Morgan Stanley clients. We have also curated important resources from our firm that transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online today
Goals-Based Planning
Our goals-based planning system (GPS) is built on intellectual capital and capabilities to provide our clients with a comprehensive solution for their unique goals. GPS is an intuitive and efficient platform to ensure clients will have a successful financial plan.
Learn more about Goals-Based Planning
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get started today
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance you own online security.
Visit our Security Center
Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
To learn about current offers, click here
Portfolio Risk Platform – Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn how we mitigate risk
Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your accounts with your entire financial picture in mind.
Access our Total Wealth View Client GuideRedefining Wealth in the 21st Century
As your life and career evolve, so do your goals. We help you answer critical financial questions, adapting your strategy to reflect new priorities in your life and any significant changes in the marketplace. Here are just some of the questions we help our clients answer every day.
Wealth Management
What is the best method to manage my wealth to impact the future generations of my family?
Learn more about wealth managementLocation
225 East Lemon St 1st
Fl
Lakeland, FL 33801
US
Direct:
(863) 499-1521(863) 499-1521
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
Are You Prepared for Tax Day?
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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
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Jeffrey Clements 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.
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
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)
