user avatar

Neal Clemens

Advisor at Cambridge Investment Research Advisors

Updated today

Location

Sugarcreek, OH

Credentials

ChFC®, Series 63

Industry experience

37 years

About

Neal Clemens is a financial advisor with Cambridge Investment Research Advisors, holding the ChFC® and Series 63 designations and bringing 37 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2019 and previously operated Covenant Financial Advisors since 2004. Outside of advising, Clemens is a licensed drone pilot and is involved in coaching and consulting services through multiple related businesses. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations, offering financial planning, portfolio management, and retirement plan advisory through a large network of independent professionals. The firm supports a range of investment strategies implemented via multiple custodians and account platforms.

Client services

Based on Cambridge Investment Research Advisors

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops Market timing

Expertise

Based on Cambridge Investment Research Advisors

Retirement income strategy Retirement plans for business owners (SEP, solo 401k) Annuities

Occupation focus

Based on Cambridge Investment Research Advisors

Retired Founder/Business Owner Executive

Not sure if this advisor is right for you?

Answer a few questions to see advisors matched to you.

Fee options

Fixed

Financial Planning and Consulting flat fees generally do not exceed $25,000; Financial Wellness flat fee agreements also offered; Retirement Plan Advisory flat fees negotiated

Percentage

$0 - $100,000: up to 1.50% $100,000 - $250,000: up to 1.25% $250,000+: up to 1.00%

Commissions

Financial Professionals may receive commissions in their capacity as Registered Representatives for securities and insurance products

Project-based

Financial Planning and Consulting hourly fees generally do not exceed $500/hour; Retirement Plan Advisory and Consulting Services up to $500/hour

Other

Account minimum: $25,000 Minimum fee: Setup fee generally the lesser of 1% of assets under management or $1,000; combined setup fee and advisory fee not to exceed 3% of AUM; service fee up to $300 Fee-only: Financial Planning and Consulting fees include flat fees up to $25,000, hourly fees generally not exceeding $500/hour, asset-based fees for investment consulting

Location

Sugarcreek, OH

Most active in

Ohio

Work history

Cambridge Investment Research Advisors

2019 - Present (7 years)

Cambridge Investment Research, Inc.

2019 - Present (7 years)

USA Financial Securities

2016 - 2019 (3 years)

Neal D. Clemens, CLU, CHFC, Inc. dba Covenant Financial Advisors

2004 - Present (22 years)

Creative Financial Designs, Inc.

2004 - 2016 (12 years)

Cfd Investments, Inc.

2004 - 2016 (12 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

user avatar

Lewis H

Series 65

Dover, OH

Hindman Financial, LLC

Lewis Hindman is the sole advisor at Hindman Financial, LLC in Dover, Ohio. He holds a Series 65 designation and has over 10 years of experience running his own financial practice. In addition to his advisory role, he has worked as a public high school teacher at Dover City Schools since 2006 and also provides tax preparation services. Hindman Financial offers financial planning, individual-topic consulting, and public seminars focused on basic investing, budgeting, and debt reduction. The firm provides fee-based planning and educational sessions without managing client investment accounts or charging asset-based fees, combining public education with advisory services.

General retirement planning Income planning General tax planning General estate planning guidance Cash flow / budgeting
user avatar

Alexis G

Series 65

Berlin, OH

Hummel Wealth Management, LLC

Alexis Glessner is a Series 65-licensed advisor with Hummel Wealth Management, LLC, based in Berlin, Ohio, with one year of industry experience. Prior to joining Hummel Wealth Management, Alexis worked at P. Graham Dunn and Heather's Studio. Hummel Wealth Management, LLC provides non-discretionary pension consulting and advisory services primarily to employee benefit plans and their fiduciaries, as well as trusts, estates, charitable organizations, corporations, and other business entities. The firm focuses on plan-level services such as fund selection advice and investment performance monitoring, typically recommending mutual funds and employing fundamental and technical analysis tailored to each plan sponsor’s objectives.

Cash flow / budgeting Retired Founder/Business Owner
user avatar

Douglas F

CFP®, CFA®, Series 66

New Philadelphia, OH

Rea Wealth Management

Douglas Feller is a CFP® and CFA® with 23 years of industry experience. He has been with Rea Wealth Management and Commonwealth Financial Network since 2002. Outside of his advisory role, he is a co-owner of Rea Real Estate, Ltd., which manages commercial real estate in Ohio. Rea Wealth Management is a multi-advisor firm managing approximately $892 million for around 890 clients. The firm provides customized and model-based portfolio management, financial planning, and mutual fund asset-allocation services through a team of 11 advisors.

Options & derivatives strategies
user avatar

Thomas S

Series 66

New Philadelphia, OH

Rea Wealth Management

Thomas Schrock is a financial advisor at Rea Wealth Management with 18 years of industry experience. He holds a Series 66 credential and has been with Rea Wealth Management and Commonwealth Financial Network since 2019. Prior to that, he worked at MAI Capital Management, LLC from 2014 to 2018. Rea Wealth Management is a multi-advisor firm managing approximately $892 million for around 890 clients. The firm offers asset management, financial planning, and mutual fund asset-allocation services, utilizing both customized portfolios and model-based allocations across equity and fixed-income strategies.

Options & derivatives strategies
user avatar

Douglas B

Series 63, Series 65

New Philadelphia, OH

Rea Wealth Management

Douglas Bambeck is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been associated with Rea Wealth Management and Commonwealth Financial Network since 1998. Bambeck serves as a board member for FFD Financial Corp, a publicly traded holding company for First Federal Community Bank, where he reviews financials and advises on operational procedures. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, including wealth management and retirement plan consulting, and supports affiliated advisors with operations, trading, technology, compliance, and practice-management resources.

Options & derivatives strategies
user avatar

Matthew A

Series 63, Series 66

New Philadelphia, OH

Rea Wealth Management

Matthew Andreas is a financial advisor with Rea Wealth Management, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Rea Wealth Management since 2017 and previously held roles at J.P. Morgan Investment Management. Outside of advisory work, he co-owned Vessel Floral and Event Design, a floral and event design business, from 2016 to 2020. Rea Wealth Management is a multi-advisor firm managing approximately $892 million for around 890 clients. The firm offers customized and model-based portfolio management, financial planning, and mutual fund asset allocation, employing a mix of equity and fixed-income strategies tailored to client objectives and risk tolerance.

Options & derivatives strategies
Warmer team member

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")