Clements Investment Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$26,000,000
Clients
42
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
42
HighAverage account size
$619,048
About
Clements Investment Management provides discretionary investment management and financial consulting to individuals, retirement plans, trusts, estates and charitable organizations, overseeing roughly $26 million for about 42 clients. Services include portfolio management, periodic review meetings and implementation of investments in equities, fixed income, mutual funds and exchange-traded funds.
The firm follows a strategic asset-allocation, core-satellite approach that emphasizes passively managed index funds and ETFs as the core holdings while adding active managers selectively, and it employs rebalancing software to maintain target allocations and global diversification. Portfolios may include both long-term and shorter-term trading; the brochure notes some strategies can involve frequent trading, which can increase transaction costs.
A notable feature is that the firm’s principal also conducts insurance and annuity business as an insurance agent/broker and the brochure discloses that annuity and insurance sales and potential commission compensation may occur, creating an identifiable conflict of interest that the firm discloses and says it seeks to mitigate through fiduciary practices and a Code of Ethics. The firm does not use third‑party sub‑advisors or sponsor wrap programs and describes custodial safeguards and written disclosures when advisory fees are deducted directly from client accounts.
Client services
Portfolio management
Expertise
Passive / index investing
Active portfolio management
Fee options
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% Over $2,000,000+: 0.50%
Fee-only: Fee-only investment management, no commissions from the firm on investment management fees.
Most active in
Clements Investment Management has reported serving >5 clients in these states in the last 12 months.
California · Oregon
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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