Broker Check
Matthew S. Clement,CFP®, AIF®

Matthew S. Clement,

Owner, President, Lead Planner/Advisor

To book time with Matthew, simply click here Matthew's Calendar

Matthew Clement is President and Lead Financial Planner at Emerald Retirement Planning Group, Inc. He works with individuals, families and small business owners throughout the United States. Matthew’s commitment to this profession is driven by his desire to make a meaningful difference in the lives of his clients. This is exemplified by Emerald’s mission statement, which is “to create life enhancing financial independence for our clients through improved perspective, improved behavior, and improved results.”

Matthew is a Certified Financial Planner™ in good standing with the CFP Board of Standards, and is an active member of the Financial Planning Association. Matthew is also an Accredited Investment Fiduciary® having earned the AIF® Designation from the Center for Fiduciary Studies.

He is proud to serve as Dave Ramsey’s SmartVestor Pro for the New York area and has been working with the program since 2010.*

Matthew started Emerald Retirement Planning in 2004 and has more than seventeen years of experience in the areas of financial planning and retirement planning. He believes that the behavioral aspects of long-term planning will always be the primary determinants of the success of his clients, and therefore spends his time helping families with the areas of finance they can actually control. This focus makes him unique among the profession.

Shortly after Emerald Retirement Planning Group affiliated with Cetera in 2021,  Matthew received his first Cetera Circle of Excellence designation.  This annual award recognizes the accomplishments and leadership of Cetera’s top financial professionals for providing clients with trustworthy comprehensive financial planning services, for running a practice with integrity and pursing excellence in all other areas of the business.  In 2024, Matthew earned an Elite Circle of Excellence designation.  ** 

He holds a B.S. in Business and Finance from Fordham University Rose Hill and has a Certificate in Financial Planning from Fordham Lincoln Center.

Professional Licenses and Registrations: FINRA SIE, Series 7, 63, 65, 24, Registered Principal, Investment Adviser Representative, and Registered Representative.

Personal Background: Matthew is a Christian and a dedicated husband and father. He is also proud to be an American and therefore enthusiastically supports liberty and capitalism. His interests include philosophy, behavioral finance, economic history, and human development. He is also a novice jogger and a lifelong New York Mets fan. He grew up in North Rockland and currently lives in Tomkins Cove with his wife Gail and sons Andrew (7) and Colin (3), for whom 14,359 additional photos are available upon request.

*Working with an advisor that is part of the SmartVestor network cannot guarantee investment success or that financial goals will be achieved. There can be no assurance that working with a Dave Ramsey SmartVestor Pro (SVP) will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program. Advisors that participate in this program pay a fee to belong to the program for client leads that are provided. Dave Ramsey and the Dave Ramsey SmartVestor program is not affiliated with Cetera Advisors and Emerald Retirement Planning Group and is not sponsored or endorsed by Cetera Advisors nor Emerald Retirement Planning Group.

**The Cetera Financial Group's Circle of Excellence recognition is not a guarantee of future investment success and should not be construed as an endorsement of Matthew Clement by any client.