Janet M Clements
Senior Vice President, Financial Advisor, Family Wealth Director, Corporate Client Group Director
Phone:
(972) 450-6620(972) 450-6620
The Clements Wealth Management Group at Morgan Stanley at Morgan Stanley
Direct:
(972) 450-4821(972) 450-4821
Toll-Free:
(866) 218-2036(866) 218-2036
Our Mission Statement
Highly qualified and rich in experience
About Us
Based in Dallas, the Clements Wealth Management Group at Morgan Stanley is a highly experienced investment advisory practice that has its origins in equity compensation, serving both executives and corporations. Today the Group helps investors achieve their goals through sound, comprehensive financial planning and provides advice to executives on how best to structure and maximize their equity compensation. The Group serves clients both in Dallas and across the nation.
With an unwavering commitment to integrity and professionalism, the Group’s members embody the same strong values and uncompromising principles that serve as the foundation on which this practice was built more than two decades ago.
The Group is led by Jan Clements, a Senior Vice President, Family Wealth Director and a Corporate Client Group Director; and Kevin Clements, a Senior Vice President and Certified Financial Planner®. Their passion for serving others is matched only by their long-standing dedication to their clients.
Kevin and Jan are skillfully supported by a superb team of highly experienced investment professionals who are equally devoted to delivering the highest level of personal service to clients. These talented professionals include: Sharon Washburn, a Vice President and Financial Planning Specialist; Jen Reynolds and Karina Lagunas, who is bilingual, and Griffin Whitaker deliver a superior level of consistently excellent service as the team’s highly efficient registered assistants.
Whether you have short- or long-term goals, or you’re looking to grow your wealth slowly, aggressively or somewhere in between, the Clements Wealth Management Group at Morgan Stanley can create a prudent, comprehensive financial plan that will help you enjoy a fulfilling and stress-free life.
With an unwavering commitment to integrity and professionalism, the Group’s members embody the same strong values and uncompromising principles that serve as the foundation on which this practice was built more than two decades ago.
The Group is led by Jan Clements, a Senior Vice President, Family Wealth Director and a Corporate Client Group Director; and Kevin Clements, a Senior Vice President and Certified Financial Planner®. Their passion for serving others is matched only by their long-standing dedication to their clients.
Kevin and Jan are skillfully supported by a superb team of highly experienced investment professionals who are equally devoted to delivering the highest level of personal service to clients. These talented professionals include: Sharon Washburn, a Vice President and Financial Planning Specialist; Jen Reynolds and Karina Lagunas, who is bilingual, and Griffin Whitaker deliver a superior level of consistently excellent service as the team’s highly efficient registered assistants.
Whether you have short- or long-term goals, or you’re looking to grow your wealth slowly, aggressively or somewhere in between, the Clements Wealth Management Group at Morgan Stanley can create a prudent, comprehensive financial plan that will help you enjoy a fulfilling and stress-free life.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The first step to achieving your unique goals is to create a sound, comprehensive financial plan. Financial plans provide a roadmap to your desired destination and help fulfill goals and dreams.
Certified Financial Planners® Kevin Clements and Jen Reynolds lead the team in implementing goals-based financial plans. The team also includes Jan Clements, Senior Vice President and Sharon Washburn, Vice President and Financial Planning Specialist.
At the Clements Group, the process of creating a financial plan begins with an in-depth interview to obtain vital facts and fine details that often get overlooked. The Clements Group believes a plan is only as good as the base of information on which it is built.
Once the Group accumulates all pertinent information, they analyze it so they can present the best possible recommendations to help you succeed.
For any financial plan to be successful, it needs to be active and monitored on an ongoing basis. After your financial plan is implemented, the Group will monitor it closely to help ensure it remains on track to your desired financial destination. The Group will also keep you well-informed with its progress through regular communications, including periodic mailings and reviews.
Anytime you have questions, you can always contact the Group and receive easy-to-understand answers that will give you the confidence your plan is doing exactly what it’s supposed to do. As your needs and goals change over time, the Group will be there to work with you to modify your plan accordingly.
No matter what your goals, regardless of your time horizon, you can feel confident the Clements Wealth Management Group at Morgan Stanley can create the most suitable plan for your situation and manage it effectively in getting you to where you want to go.
Certified Financial Planners® Kevin Clements and Jen Reynolds lead the team in implementing goals-based financial plans. The team also includes Jan Clements, Senior Vice President and Sharon Washburn, Vice President and Financial Planning Specialist.
At the Clements Group, the process of creating a financial plan begins with an in-depth interview to obtain vital facts and fine details that often get overlooked. The Clements Group believes a plan is only as good as the base of information on which it is built.
Once the Group accumulates all pertinent information, they analyze it so they can present the best possible recommendations to help you succeed.
For any financial plan to be successful, it needs to be active and monitored on an ongoing basis. After your financial plan is implemented, the Group will monitor it closely to help ensure it remains on track to your desired financial destination. The Group will also keep you well-informed with its progress through regular communications, including periodic mailings and reviews.
Anytime you have questions, you can always contact the Group and receive easy-to-understand answers that will give you the confidence your plan is doing exactly what it’s supposed to do. As your needs and goals change over time, the Group will be there to work with you to modify your plan accordingly.
No matter what your goals, regardless of your time horizon, you can feel confident the Clements Wealth Management Group at Morgan Stanley can create the most suitable plan for your situation and manage it effectively in getting you to where you want to go.
Few advisory teams, if any, offer corporate executives and entrepreneurs more experience and depth of knowledge than the Clements Group Wealth Management of Morgan Stanley. The primary reason is Jan Clements, Senior Vice President and Corporate Client Group Director and Family Wealth Director.
A strategic planner, Jan has spent more than 40 years – 30 with Morgan Stanley -- advising executives and entrepreneurs on a host of financial issues, including equity compensation, alternative investments, debt management, growth investing and income strategies. She is also skilled at advising entrepreneurs on selling their business.
Among her many talents, Jan is highly adept at looking at the proverbial “big picture’ of a client’s complete financial situation and determining the most suitable ways to manage both sides of his or her balance sheet to seek favorable outcomes, for entire families as well.
Jan’s success is due in part to her strong commitment to keep current on changing laws and rules that affect investors. She is also deeply involved with getting to know her clients and their families as well as their goals and needs. Moreover, she stays in contact with them regularly.
Jan’s professionalism and integrity have not gone unnoticed. She was recently named to Forbes prestigious list of Top Women Wealth Advisors for 2021, largely because of her dedication and service to corporate executives and entrepreneurs. She has been honored both by Forbes and Barron’s many times throughout her career.
A strategic planner, Jan has spent more than 40 years – 30 with Morgan Stanley -- advising executives and entrepreneurs on a host of financial issues, including equity compensation, alternative investments, debt management, growth investing and income strategies. She is also skilled at advising entrepreneurs on selling their business.
Among her many talents, Jan is highly adept at looking at the proverbial “big picture’ of a client’s complete financial situation and determining the most suitable ways to manage both sides of his or her balance sheet to seek favorable outcomes, for entire families as well.
Jan’s success is due in part to her strong commitment to keep current on changing laws and rules that affect investors. She is also deeply involved with getting to know her clients and their families as well as their goals and needs. Moreover, she stays in contact with them regularly.
Jan’s professionalism and integrity have not gone unnoticed. She was recently named to Forbes prestigious list of Top Women Wealth Advisors for 2021, largely because of her dedication and service to corporate executives and entrepreneurs. She has been honored both by Forbes and Barron’s many times throughout her career.
Throughout life, individuals face any number of events that can substantially affect their finances, such as death, divorce or a disability. Even a job promotion that increases income significantly, or an inheritance, can have a meaningful impact on one's financial well-being.
As a client of the Clements Wealth Management Group at Morgan Stanley, you will have ready access to sound, reliable advice concerning these types of life events, which will ease your concerns, enhance your quality of life and help you reach your goals in a no-hassle way.
Jan Clements and Kevin Clements have extensive planning experience to help ensure your wealth is transferred in strict accordance with your wishes -- whether that means providing a nest egg for your children and grandchildren or generating adequate income for a loved one.
In the event of separation or divorce, Sharon Washburn can be a much-valued resource. In addition to being a financial planning specialist, Sharon holds the Certified Divorce Financial Analyst CDFA® designation, meaning she’s well-equipped to deal with the complex issues that may arise in an efficient, stress-free manner. She also assists client in pre marital planning.
In all, the Clements Group is well-prepared to help you through any life event, no matter how challenging, with prudent advice and a high level of quality service and support.
As a client of the Clements Wealth Management Group at Morgan Stanley, you will have ready access to sound, reliable advice concerning these types of life events, which will ease your concerns, enhance your quality of life and help you reach your goals in a no-hassle way.
Jan Clements and Kevin Clements have extensive planning experience to help ensure your wealth is transferred in strict accordance with your wishes -- whether that means providing a nest egg for your children and grandchildren or generating adequate income for a loved one.
In the event of separation or divorce, Sharon Washburn can be a much-valued resource. In addition to being a financial planning specialist, Sharon holds the Certified Divorce Financial Analyst CDFA® designation, meaning she’s well-equipped to deal with the complex issues that may arise in an efficient, stress-free manner. She also assists client in pre marital planning.
In all, the Clements Group is well-prepared to help you through any life event, no matter how challenging, with prudent advice and a high level of quality service and support.
At the Clements Group, we create comprehensive financial plans for investors who would like to:
Reduce unnecessary expenses
Keep more of what they earn
Boost their net worth
Realize clearly defined goals
Achieve long-term financial security
Below is our step-by-step process for creating a financial plan:
Reduce unnecessary expenses
Keep more of what they earn
Boost their net worth
Realize clearly defined goals
Achieve long-term financial security
Below is our step-by-step process for creating a financial plan:
Discovery
During this phase, we conduct a thorough interview with you to gather as much pertinent information as possible about you and your family. We listen intensely, ask plenty of questions and take copious notes. Our process is so extensive because we want to make sure we cover every facet of your financial life – and make you feel like our only client.
Creating Your Strategy
At this stage, we present your financial plan. We also recommend sound investments and strategies to help you achieve your clearly defined goals, such as saving for college expenses, securing a comfortable retirement or leaving a legacy. We gladly answer any questions you may have. We believe the more our clients understand their plan, the more comfortable they will be adhering to it long-term.
Implementing Your Plan
Once you are completely comfortable with your financial plan, we implement it and monitor the plan regularly to help ensure it remains on track to your financial goals. We also stay in close contact with you to keep you informed and provide you with the highest level of service and support. As your needs change, we confer with you to adjust your plan accordingly.
Growing Our Relationship
At the Clements Group, we view the financial planning process as the first step in an ongoing relationship. We form the foundation of that relationship by striving every day to exceed your expectations with every action that we take. Our goal is to serve you and build a trusting relationship. Every member of our team is dedicated to fulfilling this all-important mission.
Location
5001 Spring Valley Rd
Ste 900W
Dallas, TX 75244
US
Direct:
(972) 450-4821(972) 450-4821
Toll-Free:
(866) 218-2036(866) 218-2036
Meet The Clements Wealth Management Group at Morgan Stanley
Kevin M Clements, CFP®
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Management Director
Phone:
(972) 450-6685(972) 450-6685
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Jennifer Reynolds, Series 7, Series 63, Series 65, CFP®.
Assistant Vice President, Wealth Management Associate
Phone:
(972) 450-6634(972) 450-6634
Karina Lagunas, Series 7, Series 63, Series 65
Portfolio Associate
Phone:
(972) 450-4819(972) 450-4819
Griffin Whitaker, Series 7, Series 66
Registered Client Service Associate
Phone:
(972) 450-6649(972) 450-6649
About Janet M Clements
Jan Clements is a Senior Vice President of The Clements Group at Morgan Stanley in the firm’s Spring Valley branch. Deeply devoted to building strong, trusting relationships, she has more than four decades of experience advising a diverse group of high-net-worth individuals and corporate clients. In addition to being a Financial Advisor, she is a Family Wealth Director and Corporate Client Group Director.
Jan consults in the development and implementation of all types of corporate equity compensation plans, as well as executive benefits, executive financial services and investment management. Among her many areas of focus, she advises executives on control and restricted stock, hedging strategies and executive portfolio management and helps individuals with financial and estate planning strategies.
Throughout her long career, Jan has built a solid reputation with clients because she is highly adept at addressing all their financial concerns and leveraging the full resources of Morgan Stanley to work towards their goals. She is also skilled at identifying needs and anticipating concerns that clients have not yet considered.
Whether she is assisting a corporate executive, engineer or retiree, she brings a substantive level of depth and knowledge to the relationship. As a result, many of her clients have been with her for years and have referred friends and family members to her. In fact, with some clients, Jan serves the needs of three generations of the same family.
Jan began her career with Merrill Lynch in the early 1980s and moved to Smith Barney, a Morgan Stanley predecessor company, in 1991. Having been in the business as long as she has, Jan has helped clients navigate their portfolios through a broad range of market and economic climates, keeping them focused on their carefully defined objectives and eschewing the pitfalls of emotional investing.
She is registered to do business in all states and US Territories Jan has her Series 3, 7, 63 and 65 licenses.
Jan co-chairs the Morgan Stanley Women in Wealth. The group looks for opportunities to support young women in our communities. She is also an active board member for the Maur Hill Mount Academy established in 1863.
She has a Bachelor of Business Administration degree from Saint Mary’s College, Notre Dame, Indiana. She is an avid Notre Dame Football fan and a proud alumna of the Band of the Fighting Irish. In her spare time, she enjoys playing golf. Jan and her husband reside in North Dallas.
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.
Jan consults in the development and implementation of all types of corporate equity compensation plans, as well as executive benefits, executive financial services and investment management. Among her many areas of focus, she advises executives on control and restricted stock, hedging strategies and executive portfolio management and helps individuals with financial and estate planning strategies.
Throughout her long career, Jan has built a solid reputation with clients because she is highly adept at addressing all their financial concerns and leveraging the full resources of Morgan Stanley to work towards their goals. She is also skilled at identifying needs and anticipating concerns that clients have not yet considered.
Whether she is assisting a corporate executive, engineer or retiree, she brings a substantive level of depth and knowledge to the relationship. As a result, many of her clients have been with her for years and have referred friends and family members to her. In fact, with some clients, Jan serves the needs of three generations of the same family.
Jan began her career with Merrill Lynch in the early 1980s and moved to Smith Barney, a Morgan Stanley predecessor company, in 1991. Having been in the business as long as she has, Jan has helped clients navigate their portfolios through a broad range of market and economic climates, keeping them focused on their carefully defined objectives and eschewing the pitfalls of emotional investing.
She is registered to do business in all states and US Territories Jan has her Series 3, 7, 63 and 65 licenses.
Jan co-chairs the Morgan Stanley Women in Wealth. The group looks for opportunities to support young women in our communities. She is also an active board member for the Maur Hill Mount Academy established in 1863.
She has a Bachelor of Business Administration degree from Saint Mary’s College, Notre Dame, Indiana. She is an avid Notre Dame Football fan and a proud alumna of the Band of the Fighting Irish. In her spare time, she enjoys playing golf. Jan and her husband reside in North Dallas.
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.
Securities Agent: WA, PA, HI, TN, MA, UT, MN, WV, RI, ND, MT, NM, MS, TX, IA, VT, SD, WY, VA, PR, DE, CA, WI, IN, LA, MD, IL, ID, MI, MO, SC, OR, GA, NV, NJ, OK, NH, NE, NC, OH, NY, AZ, ME, AR, DC, KY, CT, KS, AK, FL, CO, AL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253282
NMLS#: 1253282
About Kevin M Clements
Kevin Clements is a Senior Vice President and Certified Financial Planner® with The Clements Group at Morgan Stanley in the firm’s Spring Valley branch. He has more than 33 years of experience in financial services and has been with Morgan Stanley since 1999.
Prior to joining the firm, Kevin spent six years with Charles Schwab. He was a manager with Schwab’s Electronic Brokerage Division and served as manager of the Heartland Region for the Schwab Institutional Service Group. Earlier in his career, he was a Financial Advisor with Merrill Lynch.
In his current role, Kevin works closely with corporate executives in the area of equity compensation, including automated trading plans, insider selling and charitable gifting. He also serves a wide spectrum of high-net-worth individuals using his goal-based financial planning and risk-based asset management skills.
In his effort to build strong, long-term relationships, Kevin places great importance on getting to know his clients in great depth. He also strives to help them get to know him and his approach to managing assets. He believes the better clients know him, the more comfortable they will feel entrusting their wealth with him.
Kevin delivers an exceptional level of quality service specifically tailored to each client. He is always available to help clients with even the most esoteric questions about finance and financial planning. Making a meaningful difference in the lives of his clients brings him great pleasure.
Kevin is registered to do business in all states and has Series 3, 7, 8, 63 and 65 licenses.
A graduate of Arizona State University, he has a Bachelor of Science in Finance. In his free time, he enjoys playing golf and cheering on the KC Chiefs. Kevin lives in North Dallas with his wife Cel.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Prior to joining the firm, Kevin spent six years with Charles Schwab. He was a manager with Schwab’s Electronic Brokerage Division and served as manager of the Heartland Region for the Schwab Institutional Service Group. Earlier in his career, he was a Financial Advisor with Merrill Lynch.
In his current role, Kevin works closely with corporate executives in the area of equity compensation, including automated trading plans, insider selling and charitable gifting. He also serves a wide spectrum of high-net-worth individuals using his goal-based financial planning and risk-based asset management skills.
In his effort to build strong, long-term relationships, Kevin places great importance on getting to know his clients in great depth. He also strives to help them get to know him and his approach to managing assets. He believes the better clients know him, the more comfortable they will feel entrusting their wealth with him.
Kevin delivers an exceptional level of quality service specifically tailored to each client. He is always available to help clients with even the most esoteric questions about finance and financial planning. Making a meaningful difference in the lives of his clients brings him great pleasure.
Kevin is registered to do business in all states and has Series 3, 7, 8, 63 and 65 licenses.
A graduate of Arizona State University, he has a Bachelor of Science in Finance. In his free time, he enjoys playing golf and cheering on the KC Chiefs. Kevin lives in North Dallas with his wife Cel.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Securities Agent: AR, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AZ, AK, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255303
NMLS#: 1255303
About Sharon L Washburn
Sharon Washburn is a Vice President and financial planner with The Clements Group at Morgan Stanley in the firm’s Spring Valley branch. She has more than three decades of experience in financial services. She has been with Morgan Stanley and predecessor firms since July 1993.
Prior to joining The Clements Group in 2017, Sharon was with a retirement planning group at Morgan Stanley focusing on estate planning strategies and retirement planning. There, she gained valuable experience working with estates and helping families fully understand the estate planning process.
Known for her strong desire to empower clients through education, Sharon serves high-net-worth individuals, foundations and Fortune 500 companies and their employee plans. She is highly adept at working with corporate stock plans, including option, purchase and restricted stock plans. Sharon has worked with The Clements Group’s Executive Financial Services team, which is responsible for Rule 144 stock sales and 10b5-1 sales plans, and has proven to be an excellent collaborator with financial teams of individual investors to make sure they have a sound strategy in place for their stock awards.
Sharon is also extremely skilled at helping individuals navigate the financial issues that arise due to major life changes, such as marriage, death, employment and divorce. She is Certified Divorce Financial Analyst® and a member of The Institute for Divorced Financial Analysts. While high stress often accompanies major life changes, Sharon serves as a reassuring beacon of light for her clients during these periods because she is personally familiar with the rigors of change, having grown up in a military family that moved five times during her youth.
Sharon is a graduate of The University of Texas at Arlington, where in 1986 she earned a Bachelor of Business Administration degree. Following graduation, she worked for Judson Malkin & Bloom (JMB), concentrating on real estate limited partnerships. In 1989, she joined PaineWebber (now UBS).
In her free time, Sharon enjoys listening to music, traveling and spending time with her adorable dog, Ranger and cats Loui and Tanner. A resident of North Dallas, she’s an avid sports fan and supports all of the teams in the Dallas Metroplex, although The Cowboys and Mavs are testing fans patience -- in addition to several charities in the Dallas-Fort Worth area.
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. 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.
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.
Prior to joining The Clements Group in 2017, Sharon was with a retirement planning group at Morgan Stanley focusing on estate planning strategies and retirement planning. There, she gained valuable experience working with estates and helping families fully understand the estate planning process.
Known for her strong desire to empower clients through education, Sharon serves high-net-worth individuals, foundations and Fortune 500 companies and their employee plans. She is highly adept at working with corporate stock plans, including option, purchase and restricted stock plans. Sharon has worked with The Clements Group’s Executive Financial Services team, which is responsible for Rule 144 stock sales and 10b5-1 sales plans, and has proven to be an excellent collaborator with financial teams of individual investors to make sure they have a sound strategy in place for their stock awards.
Sharon is also extremely skilled at helping individuals navigate the financial issues that arise due to major life changes, such as marriage, death, employment and divorce. She is Certified Divorce Financial Analyst® and a member of The Institute for Divorced Financial Analysts. While high stress often accompanies major life changes, Sharon serves as a reassuring beacon of light for her clients during these periods because she is personally familiar with the rigors of change, having grown up in a military family that moved five times during her youth.
Sharon is a graduate of The University of Texas at Arlington, where in 1986 she earned a Bachelor of Business Administration degree. Following graduation, she worked for Judson Malkin & Bloom (JMB), concentrating on real estate limited partnerships. In 1989, she joined PaineWebber (now UBS).
In her free time, Sharon enjoys listening to music, traveling and spending time with her adorable dog, Ranger and cats Loui and Tanner. A resident of North Dallas, she’s an avid sports fan and supports all of the teams in the Dallas Metroplex, although The Cowboys and Mavs are testing fans patience -- in addition to several charities in the Dallas-Fort Worth area.
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. 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.
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.
Securities Agent: NY, TN, WY, VT, IL, LA, GA, MT, NH, WV, WI, WA, VA, UT, TX, SD, SC, RI, PA, OR, OK, OH, NV, NM, NJ, NE, ND, NC, MS, MO, MN, MI, ME, MD, MA, KY, KS, IN, ID, IA, HI, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, PR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262078
NMLS#: 1262078
About Jennifer Reynolds
Jen is a Wealth Management Associate and CFP® with Morgan Stanley. She joined the firm and The Clements Group at Morgan Stanley in 2017.
Jen has extensive knowledge of the many portfolio tools available at Morgan Stanley. Jen assists clients in many ways including building portfolios with her team of advisers. Whether is it selecting a portfolio manager or choosing a mutual fund, Jen is able to show the clients how the portfolio allocation may help them reach their financial goals.
Prior to joining Morgan Stanley, Jen worked with Fidelity, Merrill Lynch and Wells Fargo. She studied Business Management at Southern Methodist University graduating with a BBA in 2005. Jen later completed the MBA program thru University of Phoenix in 2009. Jen maintains is Series 7, Series 63, and Series 65 with Insurance License registered.
Jen was raised in Louisiana and currently resides in Melissa, TX. She and her husband are proud parents to three young adult sons in a blended family. Add one crazy dog named Rufus, and it makes very a very active household.
Jen has extensive knowledge of the many portfolio tools available at Morgan Stanley. Jen assists clients in many ways including building portfolios with her team of advisers. Whether is it selecting a portfolio manager or choosing a mutual fund, Jen is able to show the clients how the portfolio allocation may help them reach their financial goals.
Prior to joining Morgan Stanley, Jen worked with Fidelity, Merrill Lynch and Wells Fargo. She studied Business Management at Southern Methodist University graduating with a BBA in 2005. Jen later completed the MBA program thru University of Phoenix in 2009. Jen maintains is Series 7, Series 63, and Series 65 with Insurance License registered.
Jen was raised in Louisiana and currently resides in Melissa, TX. She and her husband are proud parents to three young adult sons in a blended family. Add one crazy dog named Rufus, and it makes very a very active household.
About Karina Lagunas
Karina is a Portfolio Associate at Morgan Stanley. She joined the firm and The Clements Wealth Management Group at Morgan Stanley in June 2017.
Karina has a vast knowledge of the many systems and platforms available at Morgan Stanley. As a Portfolio Associate, Karina interacts with clients and her advisers. She maintains the daily team operations from scheduling to client communications. Clients know they can rely on Karina to answer their questions or concerns in a timely and professional manner.
Prior to joining Morgan Stanley, Karina worked for Wells Fargo. She is currently studying Finance at the University of Texas at Dallas. Karina is Series 7, Series 63, and Series 65 registered.
Karina was raised in Southern California but calls Texas home now. She resides in Dallas and is active with her extended family.
Karina has a vast knowledge of the many systems and platforms available at Morgan Stanley. As a Portfolio Associate, Karina interacts with clients and her advisers. She maintains the daily team operations from scheduling to client communications. Clients know they can rely on Karina to answer their questions or concerns in a timely and professional manner.
Prior to joining Morgan Stanley, Karina worked for Wells Fargo. She is currently studying Finance at the University of Texas at Dallas. Karina is Series 7, Series 63, and Series 65 registered.
Karina was raised in Southern California but calls Texas home now. She resides in Dallas and is active with her extended family.
About Griffin Whitaker
Griffin is a Registered Client Service Associate at Morgan Stanley. He joined the firm and The Clements Wealth Management Group in 2023.
Griffin is knowledgeable on a plethora of systems and platforms available at Morgan Stanley. As a Registered Service Associate, Griffin provides exceptional service to our clients and supports the team on a daily basis through managing our client’s everyday needs. Griffin is skilled in cultivating and enhancing new and existing client relationships.
Prior to joining Morgan Stanley, Griffin worked with Vanguard at their Charlotte and Dallas offices. Griffin is a graduate of the Louisiana Tech University College of Business where he earned a Bachelor of Science in Finance. Griffin is Series 7 and Series 66 registered.
Griffin was born and raised in Louisiana, but now proudly calls Dallas home. In his free time, Griffin enjoys staying active and is an avid New Jersey Devils hockey fan.
Griffin is knowledgeable on a plethora of systems and platforms available at Morgan Stanley. As a Registered Service Associate, Griffin provides exceptional service to our clients and supports the team on a daily basis through managing our client’s everyday needs. Griffin is skilled in cultivating and enhancing new and existing client relationships.
Prior to joining Morgan Stanley, Griffin worked with Vanguard at their Charlotte and Dallas offices. Griffin is a graduate of the Louisiana Tech University College of Business where he earned a Bachelor of Science in Finance. Griffin is Series 7 and Series 66 registered.
Griffin was born and raised in Louisiana, but now proudly calls Dallas home. In his free time, Griffin enjoys staying active and is an avid New Jersey Devils hockey fan.
Contact Janet M Clements
Contact Kevin M Clements
Contact Sharon L Washburn
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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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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.
5Morgan 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.
6Morgan 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 legal matters.
7When 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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.
5Morgan 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.
6Morgan 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 legal matters.
7When 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.
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)
