Clement Wealth Management
Francis J Clement
Wealth Management Advisor|CFP®, WMCP®, RICP®, CLU®
Get to know our dedicated team
In our effort to support Clement Wealth Management, we work to deliver a unique client experience that aids in transitioning you to the ideal position of financial independence.
Stevie Leigh Hagen
Associate Financial Representative
Stevie joined Clement Wealth Management in 2016. She holds her Life, Accident & Health license.
Stevie resides in Fairport, NY with her husband, two daughters & two dogs. She enjoys spending time with her family, reading, cooking and traveling.
Melissa Kay Kremers
ChFC®, CLU®, RICP®, CLTC®, ChSNC®
Investment Associate
Melissa received her bachelor’s in Business Administration from SUNY Delhi in 2003. With 12 years of experience in the financial industry; Melissa assists clients of Clement Wealth Management with all their investment needs. Melissa began her career at Northwestern Mutual in 2007. Before joining Clement Wealth Management, Melissa spent the last six years as the Associate Director of Network Office Supervision for Northwestern Mutual’s Greater NY Group. Melissa worked directly with advisors and clients to make sure things were being done the correct way. She holds her Series 7, 66, 9, 10, Life Accident and Health and has the following designations: CLU (Charted Life Underwriter), ChFC (Charted Financial Consultant), and CLTC (Certification for Long Term Care).
Melissa currently resides in Lafayette, NY with her two children Marquise and Makayla. Melissa enjoys spending time with her family, reading, and trying out new things within reason.
Professional
Francis J. Clement has spent his entire career being an advisor. He was initially a Financial Representative in 1997 and then went on to become a Wealth Management Advisor in 2011, after being accredited with the coveted CERTIFIED FINANCIAL PLANNER™ Professional designation. As a CFP® professional, he is held to a fiduciary standard by the CFP® Board. Francis graduated from the University of Rochester with a BA in Economics.
His expertise can be gauged by his 25 years of cumulative experience in the risk management and wealth management fields. He is highly motivated by the relationships he builds with his clients through fee-based planning and strives to do everything in his power to ensure they reach financial independence. When you work with Francis J. Clement you don't just gain a competent, accomplished advisor but also an unbiased and empathetic friend.
- Million Dollar Round Table Qualifying Member 2016
- Million Dollar Round Table Qualifying Member 2017
- Million Dollar Round Table Qualifying Member 2018
- Million Dollar Round Table & Court of the Table Qualifying Member 2019
- Million Dollar Round Table & Court of the Table Qualifying Member 2020
- Million Dollar Round Table & Court of the Table Qualifying Member 2021
- Million Dollar Round Table, Court of the Table & Top of the Table Qualifying Member 2022
Founded in 1927, the Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is a global, independent association of more than 43,000 of the world's leading life insurance and financial services professionals from more than 500 companies in 67 countries. MDRT membership is recognized internationally as the standard of excellence in the life insurance and financial services.
Awards and Recognition
- Million Dollar Round Table Qualifying Member (2016-2022)
- MDRT is the premier association of financial professionals. MDRT status designation is granted for one year and members must apply every year to continue their affiliation with the MDRT
Personal
Francis graduated from the University of Rochester in 1997 with a BA in Economics. Francis is involved in several organizations within the Rochester Area:
- Black Women’s Leadership Council lead sponsor at Xerox Corporation
- Black Physician’s Network of Greater Rochester
- U of R George Eastman Circle
- Board member of the U of R Network Leadership Cabinet
- Devoted member and trustee of the Church of Love Faith Center
- Co-chair of the African American Giving Initiative
- Board of Directors and Advancement Committee chair for the Rochester Area Community Foundation
Francis has most recently been invited to sit on Allendale Columbia's Board of Trustees as well as the University of Rochester's Orthopaedics Advisory Council.
Francis met his wife in Sierra Leone, West Africa. The two have been married for 12 years. He and his wife live in the Fairport, NY area with their three children.
Lending a hand in my community.
As part of Northwestern Mutual, I'm proud to help accelerate the search for better childhood cancer treatments while supporting families undergoing treatment, and survivors from late effects. Here are some of the organizations we partner with:
Alex's Lemonade Stand Foundation for Childhood Cancer (ALSF)
ALSF funds cancer research, raises awareness, and supports the families of children with cancer. Since 2012, Northwestern Mutual, its employees, and financial professionals like me have donated more than $20 million to support ALSF and fund over 400,000 research hours.
Beads of Courage
Beads of Courage is an art-in-medicine program that helps kids with cancer tell their unique treatment story through colorful beads that are symbols of their courage.
Here are my areas of expertise
Financial Planning
Insurance Protection Strategies
Life Insurance Strategies
Retirement Planning & Income Strategies
Education Planning & Funding
Disability Planning
Multigenerational Planning
Estate Planning
How Northwestern Mutual helps you live the life you want.
When people feel better about their money, good things happen—they become more confident and feel more secure. For more than 160 years, Northwestern Mutual has helped people achieve the financial flexibility they need to live more and worry less.
Being a mutual company means Northwestern Mutual reports to its clients, not Wall Street. They don't believe in chasing fads or taking undue risk for short-term gains. Instead, they take a long-term approach—both in the way we help people plan to reach their goals, and in the way they do business. This has served their clients (and mine) well through all kinds of economic ups and downs, including wars, recessions, even the recent pandemic.
It's why I'm happy to be part of a company that's in it for the long-haul and prioritizes clients over profit.
