# Barbara Clemons

> Barbara Clemons is a fee-only financial advisor at Clemons Financial Education Company in Fairport, New York, who holds the CFP, CLU and ChFC credentials. Barbara charges a one-time planning fee and hourly fees (one-time plans from $1,500 and $250 an hour) and focuses on retirement planning, estate & legacy planning and tax planning.

Page: https://find.wellspent.co/advisors/barbara-clemons/
Built from public directory listings; last checked November 2, 2026.

## Facts

- **Firm:** Clemons Financial Education Company
- **Based in:** Fairport, New York
- **Fee model:** One-time planning fee; Hourly
- **Fees (Advice-Only Network profile):** one-time plans from $1,500; $250 an hour
- **Works virtually:** Yes (Advice-Only Network profile)
- **Accepting new clients:** Not currently (Advice-Only Network profile)
- **Credentials:** CFP, CLU, ChFC, CASL, CTFA, AEP
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning, Equity compensation
- **CRD:** 1613203 (https://adviserinfo.sec.gov/individual/summary/1613203)
- **SEC registration:** Investment adviser representative in NY
- **Exams passed:** Series 65 (1992), Series 63 (1987), Series 24 (1994), Series 7 (1987), Series 6 (1987)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://www.clemonsfinancial.com

## About

Barbara Clemons helps people make sound financial decisions through personal financial planning and educational workshops at Clemons Financial Education Company. Barb speaks often at local and national venues, covering both technical topics and the emotional side of money.

In more than 30 years in financial services, Barb has worked in compliance, sales, management and comprehensive financial planning. She has taught Series 7 classes, CFP classes and financial planning software training, and she leads financial education classes for consumers. She holds a BS in business administration from SUNY Fredonia and the CFP, ChFC, CASL, CLU, CTFA and AEP designations.

Barb is an active member and past president of the Estate Planning Council of Rochester, serves as board vice chair of Rochester Childfirst Network and volunteers actively.

## Frequently asked questions

### Is Barbara Clemons a fee-only financial advisor?

Yes. Barbara Clemons is listed in the Advice-Only Network (advice-only practices, no product sales). SEC records as of November 2, 2026 show no broker registration and no commission compensation reported by Barbara's firm.

### How does Barbara charge for financial advice?

Barbara charges a one-time planning fee and hourly fees.

### Does Barbara work with clients virtually?

Yes. Barbara's Advice-Only Network profile says they meet with clients virtually and in person.

### Where is Barbara Clemons based?

Barbara Clemons is based in Fairport, New York.

### What does Barbara specialize in?

Barbara's specialties include retirement planning, estate & legacy planning, tax planning and equity compensation.

### What credentials does Barbara Clemons hold?

Barbara Clemons holds the CFP, CLU, ChFC, CASL, CTFA and AEP credentials.

### Is Barbara Clemons registered with the SEC?

Yes. Barbara Clemons is registered as an investment adviser representative in NY (CRD 1613203), per SEC Investment Adviser Public Disclosure data as of November 2, 2026.

### How do I contact Barbara Clemons?

Through Barbara's website, www.clemonsfinancial.com.

## Sources

- Advice-Only Network listing (https://adviceonlynetwork.com/advisors/BarbClemons): advice-only practices, no product sales
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of November 2, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.