About Teresa Clements, CFP®, AWMA®

I am a CERTIFIED FINANCIAL PLANNER™  (CFP®), and an Accredited Wealth Management Advisor (AWMA®) with 25 years of experience in the financial services industry. I have a passion to help people through life’s changes such as divorce, death of a loved one, or retirement.

WHAT IS A CFP®?

Working with a CFP® professional is an important first step toward reaching your financial goals. A CFP® professional works with clients to create comprehensive plans for meeting their long-term financial goals, such as retirement, college tuition, business start-up, a home, and so on.  As part of the certification, I have met rigorous education (Bachelor’s degree) and experience requirements (6,000 hours of relevant personal financial planning activities).  I must uphold high ethical and professional standards when acting as your fiduciary and providing financial advice.

WHAT IS AN AWMA®?

Accredited Wealth Management AdvisorSM (AWMA®) is a designation for experienced advisors who want to address the unique needs of high-net-worth clients.  The AWMA® designation provides them with what they need to help clients capitalize on opportunities to preserve, grow, and transfer their wealth. The program contains sections dedicated to behavioral finance, working with small business owners, and succession and exit planning

CLIENTS THAT LOVE WORKING WITH ME

My clients receive my help in the following areas:

  • Investments; Mutual Funds, Unit Investment Trusts (UIT), Exchange Traded Funds (ETFs)
  • Annuities; Fixed, Indexed, Buffered/ Registered, Variable
  • Life Insurance; Term, Whole Life, Universal Life
  • Long-term care
  • Assisted Living
  • Qualified retirement plans/IRA distributions
  • 401K Rollovers; Severance packages
  • Corporate executive stock options
  • Business succession planning
  • Retirement planning
  • Gifting to children/descendants
  • Charitable gifting
  • Titling of assets
  • Estate Planning
  • Trust planning
  • Executor/successor trustee issues
  • Distribution of wealth at death
  • Charitable inclinations at death. 

YOUR GOALS ARE MY GOALS

Your financial goals are my first priority!  I partner with you to define and work toward your financial goals. Working together, I will help you build and preserve your wealth for long term financial freedom.  Life can be complex and take unexpected financial twists or turns. We will plan for any bumps in the road.

I’VE BEEN THERE TOO

My passion is to help people through life changes:

  • Death of a loved one; Widows and Widowers
  • Divorce
  • Retirement
  • Marriage
  • Relocation to a new city

RETIREMENT MAY BE CLOSER THAN YOU THINK

I have helped people retire from the following companies and I want to help you:

  • Rich Products
  • General Mills
  • Middle Tennessee State University
  • Middle Tennessee Electric
  • Verizon Wireless
  • Rutherford County Government

Please contact me for an initial consultation. You may be able to retire sooner than you think!

 

 

LEGAL DETAILS

Securities and advisory services offered through LPL Financial, a registered investment advisor.

Member FINRA/SIPC. Insurance products offered though LPL Financial or its licensed affiliates.  RAI Advisors is not a registered broker-dealer and not affiliated with LPL Financial.

Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.

 

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