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Advisor Services

  • Financial Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities
  • Portfolio Management
    • -Individuals and/or Small Businesses


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Commerce Trust Company 4 years, 2 months Jan 2016 - Present
LPL Financial LLC 9 years, 9 months Jul 2010 - Present
LPL Financial LLC 5 years, 5 months Jul 2010 - Dec 2015
Various Insurance Carriers for W&R Insurance Agencies 9 months Oct 2009 - Jul 2010
Various Insurance Carriers for W&R Insurance Agencies 9 months Oct 2009 - Jul 2010
Waddell & Reed, Inc. 11 months Aug 2009 - Jul 2010

Designations & Memberships

  • Financial Services Institute
    Financial Services Institute
    Founded in 2004, FSI is the only advocacy organization working on behalf of independent broker-dealers and independent financial advisors. Our vision is that all individuals have access to competent and affordable financial advice, products, and services delivered by a growing network of independent financial advisors affiliated with independent financial services firms. Our mission is to create a healthier regulatory environment for independent broker-dealers and their affiliated independent financial advisors through aggressive and effective advocacy, education, and public awareness. Our strategy supports our vision and mission through robust involvement in FINRA governance, constructive engagement in the regulatory process, and effective influence on the legislative process.
  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Kyle Clemson

    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    I want to take out $10,000 from my simple ira. What should I plan on withholding for taxes?
    As the others have said, if at all possible find the money from some other source. I doubt your SIMPLE IRA has been established less than two years but if so, the penalty for withdrawing money at that point would be 25% plus applicable federal and state taxes. At that point you’re paying more for ta...  (more)
    Answered Nov 2013
    My wife's employer has two retirement plan choices; 401k & Roth 401k. Which is better & more tax efficient? Thanks!!
    Hi Brian, Both Joe and Pam have provided great answers so far. The only one thing I can think to add is the five-year waiting rule. In order to receive a distribution from a Roth account tax free and penalty free (qualified withdrawal) you must have an attained age of 59 1/2 and have met the five-ye...  (more)
    Answered Dec 2013
    Major differences between Growth Vs. Value Investing?
    Hi Melissa, in addition to the great answer from Andrew, here are some added generalities of growth versus value stocks.Growth stocks: 1) Typically grow earnings/revenues faster than the market. 2) Are less likely to pay dividends, prefer to reinvest cash back into the company. 3) Usually have high...  (more)
    Answered Dec 2013
    How many 401k plans offer commodities as an investment option?
    Hello Vincent,This is a very interesting question that your pose and something I don't think I will be able to answer completely, but there is some good information that I found. A press release by BrightScope on the 15th of October provides some details on the growing commodity investment selectio...  (more)
    Answered Nov 2013
    I received a letter from Soc Sec. stating that I may be owed money from my former employer. This company has been sold.
    In case the information Rod provided does not return any results, here is something else to try.Dr. Frank T. Rutherford built Carthage General Hospital which is now called Riverview Regional Medical CenterRiverview Regional Medical Center158 Hospital DriveCarthage, TN 37030(615) 735-1560...  (more)
    Answered Dec 2013
    As a recent retiree, is my Alliance employee stock holdings the same or included in my ABG 401K?
    Hi Eugene, As Marcel pointed out, it is not totally clear what company you are referring to. One of my guesses is Alliance Benefit Group because I know a few people in my area that work for this company. As far as the stock holdings, I spoke with someone at ABG that mentioned there used to be (poten...  (more)
    Answered Dec 2013
    Anyone know where else I can put my savings after I max out my IRA and HSA for the year?
    Steve,Here is an outside the box answer, but depending on your age, whether or not you have children or grandchildren, and whether this is money you will need or not, a 529 plan is an alternative way to defer taxes and potentially take advantage of state income tax deductions. I believe this strate...  (more)
    Answered Nov 2013
    Take my losses to wipe out taxes?
    STG - $1500 STL - $2500 Net STL $1000LTG - $2000 LTL - $1500 Net LTG $500You end up with a short term loss of $500This is an example of the netting process. So you want to be sure whichever way you decide to go that you are selling the right types of gains or losses to accomplish your...  (more)
    Answered Dec 2013
    Where do I start with Retirement Investing?
    Hi Jess,With Larry and Rich both providing a lot of good information in their lengthy answers, I'd rather not repeat what they have already mentioned in another long response. Going through a lot of those same issues and questions myself over the last few years as a late 20's professional, message ...  (more)
    Answered Dec 2013
    Where is the best place for me to invest my soon to mature large retirement CD given the current market situation?
    Tom, There is an investment known as a market-linked CD. It has FDIC insurance like a CD but its growth is derived from equities or other securities. As the others have said, having a comprehensive plan in place is also a important step. Contact me if you would like more information. Good luck!...  (more)
    Answered Dec 2013
    What is best way to invest my TRS retirement?
    Mike, If you have a 403(b) account with this previous employer you would be able to convert it to a Roth IRA account. If you did this you would have to pay tax on that conversion. The amount converted would be added to your income in the year it was converted and taxed at your marginal tax rate. An...  (more)
    Answered Dec 2013
    Fixed rate annuities for those in retirement. Good idea?
    Hi Tom,To start there are two basic types of fixed annuities, Single Premium Deferred Annuity (SPDA) and Single Premium Immediate Annuity (SPIA). As the names imply these annuities either start making fixed payments right away or at some later date. The need for this stream of income will help dete...  (more)
    Answered Nov 2013
    Does anyone know what company Turner Beverage Company uses for their 401k retirement?
    Jonathon, I actually just called the number for Turner Beverage (256) 852-2183 and asked that question. They said that Lincoln Retirement handles the plan.  (more)
    Answered Dec 2013
    How do you deal with an IRS notice stating that you owe taxes on a trust fund disbursement that you did not receive?
    I would advise talking to your stepmother about this distribution she apparently made and also consulting the attorney that drafted the trust documents. A CPA may also be able to help with this situation....  (more)
    Answered Dec 2013
    I had a 401K plan with SEH America back in 1197-1999, how can i find out what happened to that money?
    Hi Mary Jo, I would start with their website: this page they have various ways to contact them. You will probably need to provide them when you were employed and other personal information. Good luck!...  (more)
    Answered Nov 2013
    My inherited IRA only did a 8% gain this year. What would be a smart option to increase its growth?
    Hello and happy holidays. Just getting back to work from a four day stay in Festus, MO visiting relatives. Here is my take away and summary from the others responses. Your allocation prior to July and how that allocation changed after you let your advisor know you wanted to be more aggressive in Ju...  (more)
    Answered Dec 2013
    Hello, Am I eligible to get the 401 K benefits from the Company's 401K assests?
    Hi Narasimha, What this sounds like is you are receiving information on the companies 401(k) plan as a whole with the plans assets, liabilities, and potentially year to date contributions. My wife was never enrolled in her companies 401(k) plan but she did receive a statement like this. Unless you a...  (more)
    Answered Dec 2013
    How do I find out how much I have in my 401k n how do I go about cashing it out?
    Hi Laura, There are numerous ways in which you might go about finding the balance of your 401(k). Unless you opted out of paper statements at some point, you should receive a statement with your balance from the 401(k) plan provider. Accessing an account statement online is also a possibility and us...  (more)
    Answered Dec 2013
    Where do i start when planning a retirement if my employer does not offer any plan?
    Hi Joshua, I believe you just overcame one of the biggest hurdles in the steps to financial success...admitting you need help. Now I think it would be good for you to learn and understand the financial planning process and figure out who are the right candidates to help you on this journey. I would ...  (more)
    Answered May 2014
    Enrolled in a plan called: Group Deferred Annuity Participant Certificate Certificate Number 9910-00187394?
    Hi Joseph, This information is too vague to be able to help in any fashion right now. If you could provide more information from the Certificate someone may be able to answer questions you have. If you are not comfortable provided further details, I would suggest seeking out help in your area. Good ...  (more)
    Answered Dec 2013
    The website for Hancock Bank 401k plan is not working and I cannot see my positions. Can you help?
    Hello Jayashree, I will agree with Michael. Your best option would be to contact the 401(k) provider by telephone and ask for you positions. I would assume they are aware of the issue and are working to fix the problems. Try accessing the website over the next day or two and the problem might be fix...  (more)
    Answered Nov 2013
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Jan 26, 2020
      • license status
        Not registered
      • disclosures
      • as of date
        Nov 12, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


      Commerce Brokerage Services, Inc

      Last updated on March 17, 2020
        • $563.6M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 3K
        • $196.4K
          Estimated Average Account Balance


      Types of Compensation Arrangements