The Wave Group at Morgan Stanley

David R Clemens, CMT^®
Senior Vice President, Financial Advisor
Senior Portfolio Management Director
Insurance Planning Director
Lending Specialist

757-259-7105 (tel)
david.r.clemens@morganstanley.com

With nearly 25 years of financial services experience and a lifelong passion for the markets, David helps clients, and their families navigate their financial lives with greater assurance. David has the privilege of serving as a Senior Vice President and Senior Portfolio Management Director with Morgan Stanley in Williamsburg, VA. He takes his responsibilities seriously and believes that comprehensive financial advice can have a profound impact on his clients’ lives, their children’s lives and their community.

David’s mission is to help clients realize a distinguished lifestyle, through every stage from their career to retirement, and leave a notable legacy. He concentrates his efforts on designing and implementing personalized wealth management strategies by attentively listening to each of his client’s goals, values, objectives and concerns.

After graduating from Fairfield University with a Bachelor of Science in Biology, David spent several years pursuing a career in the biotech field with a focus on cancer research. He soon found that as much as he respected a disciplined method to research, working directly with others had a more profound calling and joined Morgan Stanley* in 2003.

David and his wife Heather have been happily married since 1999 and together they have two children, their son Chris and their daughter Mary. When David is not assisting his clients, he enjoys a well-balanced life as an active member of the Williamsburg, VA community.

Since 1998, David continues to commit his time and efforts to several volunteer programs and non-profit organizations. In 2010, he began volunteering his time as the assistant coach of his son’s baseball team at the Williamsburg Youth Baseball League. He is an active and a well-recognized member of the St. Bede Catholic Church, giving his time and efforts as a member on multiple committees and ministries. In addition to volunteering within his church, he has been involved in three homeowner associations, Williamsburg Youth Baseball, and the Boy Scouts of America. His greatest passion is serving at the Williamsburg House of Mercy, a non-profit dedicated to serving those in need.

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

Morgan Stanley (2003-present)
Financial Advisor – Senior Vice President
• Chartered Market Technician (2002-present)
• Branch Technology Coordinator (2006)
>Williamsburg, VA
• Assistant Branch Manager (2007-2009)
>Williamsburg, VA
• Branch Manager (2009-2023)
>Williamsburg, VA
• Portfolio Manager (2011-present)
>Currently a Senior Portfolio Management Director
>Highest level at Morgan Stanley for Portfolio Managers
• Insurance Planning Director (2022-present)
• Lending Specialist (2023-present)

Professional Awards/Councils
• Pacesetters Club / Blue Chip Award (2004-2008)
>Top Decile performance during first 5 years
• Branch Manager’s Council – Financial Advisor Associates (2013-2014)
>Advisory Council for training new Financial Advisors
• Community Service Leadership Award (2023)
>Annual award given to two of 1,000+ managers throughout all of
Morgan Stanley
>Leadership and Community Service
• 2025 Master Club
>Recognized by Morgan Stanley as one of the top decile Advisors
>Criteria include performance, experience, and assets under
supervision


St. Bede Catholic Church
• Parishioner (July 1998 – present)
• Pipe Organ Fundraising Committee (2003)
• Parish Council (2004-2007)
>Parish Council liaison to the Finance Council (2005-2006)
>Chair (2006-2007)
• Holy Papas Men’s Group (2008-present)
>Co-Founder
• Parish Golf Tournament (2013-2015)
>Co-Chair
• Development Committee (2013-present)
• Columbarium Investment Committee (2013-2014)
>Chair – “voted ourselves out of existence when we directed all funds
to go to the Diocesan Pooled Fund”
• Living Our Mission (2014-2016)
>Leadership Team (David and Heather Clemens)
• Youth Ministry Advisory Committee (2014-2015)
>Co-Founder and primary donor (David and Heather Clemens)
• Williamsburg House of Mercy (2016-present)
>Treasurer (2016-2024)
>Vice President (2024-present)
• Eucharistic Minister (2018-present)
• Sacristan (2019-present)
• Lead Usher (2020-present)
• Welcome Ministry (2020-present)
>Co-Founder and Co-Lead
• Knights of Columbus (Dec 2024-present)
>3rd degree

As your Morgan Stanley financial advisor, I believe it's important to invest my time to understand what goals you're working toward before you invest your money. Working closely with you and your CPA, attorney, and other professionals, I can help determine the most appropriate financial strategy for you and your family. I can also help with your retirement savings so you have more options when you retire, regardless of what you decide to do.

At Morgan Stanley, the strategies we offer and the solutions we recommend are based on what's most important to you. Once we understand your priorities, we can help you identify specific financial goals and develop strategies to help you work toward achieving them.

I started my career as a financial advisor in 2013 in Williamsburg, VA. Prior to this, I served my country in the United States Navy for 21 years, retiring as a Senior Chief Petty Officer, I have deployed around the world more than six times over.

I attended Ashford University and graduated Summa Cum Laude in 2013 with a Bachelor's degree in Business.

My wife, Amanda, and I have been married for 31 years and have two children; a daughter, Shelby, and a son, Zachary. Originally from Indianapolis, IN, we moved to Williamsburg and have called it our home since 2003.

Relationships are key, and in my view, meeting face to face builds strong relationships. We can meet when it's convenient for you because we recognize the challenging needs of your business and your lives.

We provide the investments, services, and tools our clients need to work toward their financial future.

Based in Richmond, Virginia, Michael Wade Housden is a Certified Financial Planner^® with 29 years of experience in the financial services industry. He helps a broad range of individuals plan for their financial future, grow their wealth long-term, and build income strategies for life from multiple sources to accommodate their desired standard of living.

Michael earned his Bachelor of Science in Business Management from Virginia Commonwealth University in 1995. He has spent over 20 years at Morgan Stanley and predecessor firm Smith Barney. With a well-earned reputation for a strong work ethic, professionalism and integrity, Michael has great passion for -- and is deeply devoted to -- helping every client achieve their goals, because he wants to make a difference in their lives.

Michael has extensive experience working with the full spectrum of individuals – from those who have never had a financial plan, to seasoned investors who value professional investment experience. Over time, his practice has evolved into a multi-generational one. Many of his original clients have referred him to their children and grandchildren. Every plan that Michael creates is custom designed specifically for each client’s unique needs – including those they may have yet to consider.

Outside of work, Michael has volunteered for a number of organizations, most notably the alumni group at his alma mater, Virginia Commonwealth University. Among his other charitable endeavors, Michael taught finance to young families at a local hospital for three years.

Michael has been happily married for more than 27 years to his lovely wife Jennifer, a Special Education Coordinator. Together, they have two children, a daughter and a son. In his free time, he enjoys running and watching sports.

Anne is a Portfolio Associate and began her career with the predecessor firm of Morgan Stanley in 1985. After spending five years in our Roanoke, Virginia office as Operations Manager, she returned to Richmond. Anne's multifaceted duties include assuring a high level of quality client service and coordinating the team's overall day to day operation. She is a graduate of Virginia Tech in Blacksburg, Virginia where she holds a Bachelor of Science Degree. Anne's extensive knowledge helps her provide personal comprehensive assistance and she welcomes the opportunity to serve our clients and their families.

Anne and her husband, Mike, live in Quinton, Virginia with their two rescue dogs. She is the mother of an adult daughter and has two grandchildren as well. When not working, Anne enjoys quilting, music and jewelry making.

Corrie is a native of Rhode Island and graduated from Mount Ida College in Newton, Massachusetts. Upon graduation she moved to Florida to begin her career as a Licensed Funeral Director. Corrie understands the value in listening to client’s needs and the importance of detailed planning.

Corrie’s dedication to her community extended into years of volunteer work with the local hospice including her role as camp counselor for the annual children’s bereavement camp. Corrie also served as President for her Rotary Club twice and is a Paul Harris Fellow recipient. After 14 years in the funeral service industry, she decided to change careers, and joined Morgan Stanley in 2019 as a Registered Service Associate. Corrie and her husband William, a Navy Seabee, moved to Williamsburg in 2010 and have two children together. As a family they enjoy hiking, traveling and fossil hunting.

Madeline is the Team Administrator and began at Morgan Stanley in 2024 as an Intern for The Wave Group. Currently, she is studying Finance and Economics at The College of William and Mary, planning to graduate in June 2026. At the Raymond A. Mason School of Business, she enjoys working as a Peer Educator for the Bruan Financial Literacy Program and Graphic Designer for the Boehly Center for Excellence in Finance.

She is originally from Washington, DC. When not working or in class, Madeline enjoys singing for her acapella group, playing guitar, running, boating, and horseback riding.