Richard Clemens, CFA

Competent, careful, charitable wealth advisor who helps individuals and families align wealth with life.

[Richard Clemens, CFA @Hawk100Clemens]

Be gracious in victory and honorable in defeat.

[FFBuck 🏆 @FFbuckCLE]

How you treat someone that votes differently than you speaks volumes on your character.

[Richard Clemens, CFA @Hawk100Clemens]

People familiar with this article recognize poor journalism based on anonymous sources. https://t.co/9ldOOAHwZF

[Richard Clemens, CFA @Hawk100Clemens]

@bloojax @plunderbund Enjoy your lockdown

[Richard Clemens, CFA @Hawk100Clemens]

“A year later, Dakorian said he still remembers the excitement of his prom.”
A WHOLE year, and he STILL remembers when he spent $80K on prom to impress HS kids! Spending $80,000 on Prom is another example why NIL is bad for players, parents, and programs. https://t.co/dMmBPNx3N0

[Mr Patel 🕉️ @Patelindianlion]

From Christian Homes to Slave Markets: 4.5 Million African Christians Brutally Enslaved in 2026:

While the world keeps obsessing over slavery from centuries ago, millions of Christians are being kidnapped, bought, and sold right now in Africa yet almost no one is talking about it.

Africa has 7 million people trapped in modern slavery.

4.5 million of them are Christians.

Among the victims: 2.4 million Christian women & girls
1 million Christian children

An average slave is sold for just $90.

Worst affected Christian populations: Nigeria: 1.611 million slaves (45-50% Christian)

DR Congo: 407,000 slaves (90-95% Christian)

South Sudan: 115,000 slaves (60-70% Christian)

These are Christian believers people who follow Jesus, read the Bible, and live their faith being ripped from their homes and communities into forced labor, sexual slavery, and horrific exploitation

Why is there endless discussion about historical slavery, but complete silence on this massive ongoing Christian slavery crisis in 2026 ?

Christian lives are under attack today.

It’s time to break the silence and demand attention for this tragedy.

[Richard Clemens, CFA @Hawk100Clemens]

@DJW_CFA @Hertz It’s the Aloha spirit! 🤙

[Richard Clemens, CFA @Hawk100Clemens]

@acluohio The sub bill appears sensible and reasonable to protect voting rights. Explain WHY you oppose the legislation?

[Richard Clemens, CFA @Hawk100Clemens]

HIGHLY RECOMMENDED. Throughout The Illusory Bargain, @LehmanRalph explains the conflicts and consequences (whether intended or not, I leave for the reader to decide) that arise from the 17th Amendment and the creation of the Federal Reserve. I would add that the 16th Amendment (taxation without apportionment) provides the third instrument of the Progressive platform. Together, these instruments have eroded the founding promise of a government of the people, by the people, for the people.

[Ralph Lehman, CFA @LehmanRalph]

What is wrong with our government? I often hear people say that our government needs to change, yet they usually propose change via the ballot box. I compare this to a car out of alignment: every two or four years, media pundits/mechanics insist that changing the tires will solve our problem. In my view, spending and the growth of government are not the root causes of what ails us. Our government made the wrong turn with the 17th Amendment and the Federal Reserve Act. Together, they fundamentally altered our system of government. Now, if our Republic is to be preserved, lasting change must come from outside that system.

We also face another serious problem: the Federal Reserve is inflicting inflation upon the American people. To have an active central bank, though, you need deficit spending. This is why the 17th Amendment, which opened the door to deficits, and the Federal Reserve Act were both necessary for our current predicament. The only silver lining in this is that these two problems can both be addressed simultaneously. In fact, they can only be addressed this way. In my book, The Illusory Bargain - so named because the American people were sold the lie that if they assumed the selection of Senators from the states, the people would increase their control over government and would get rid of corruption in our government to boot – I show that the only viable path available to reclaim the republic is for an Article 5 Constitutional Amendment to end the Federal Reserve’s ability to create paper (fiat) money.

This addresses both our political problem and our monetary one. The monetary problem is more easily understood. Without a fiat currency, money can only be issued to the extent that we have real assets. The Fed cannot continually add dollars to our economy. But this also addresses the political question. When Congress cannot write blank checks because the Fed won’t have their back, government will have to shrink. They will be forced to focus on governing, not doling out favors. This alone will drive the rats off of the Capitol ship.

The more legally astute may also draw another conclusion – that such an Amendment can transform Constitutional law, replacing original intent with original design. Original Design is based on acknowledging the overall scheme used by our Founders, that veto power is allocated in the government among groups of three so that they may counter-balance each other. The Founders were deliberate in allotting veto power and did this on three separate levels. Original Intent is up for interpretation and debate. Original Design is tangible as my charts of veto power show. To my knowledge, no one has addressed veto power before in such a manner.

I welcome those who earnestly want to save our republic (versus those who want to grandstand) to read the Illusory Bargain as it also provides the path we must take. We need to return to a government of the people, by the people and for the people. It has not been that way in DC for over a century.

My book is available on Amazon. 📷For those who would prefer to buy somewhere else, you can go directly to my book here: The Illusory Bargain: Liberty in the Aftermath of the 17th Amendment —https://t.co/ZBdOpxyUVQ.

[Richard Clemens, CFA @Hawk100Clemens]

@TheWrestli90214 @amyactonoh Nawt. Your low standards belie a lack of understanding.

[Richard Clemens, CFA @Hawk100Clemens]

@coyotecattledog @VivekGRamaswamy Look kids, another ill informed Democrat.

[Richard Clemens, CFA @Hawk100Clemens]

@amyactonoh Proud to point out that Acton hasn’t shown an ounce of independent thinking in over 6 years.

[Richard Clemens, CFA @Hawk100Clemens]

@HistorianUSA1 Let’s respect each other.

[Michelle Maxwell ™ @MichelleMaxwell]

With everything we are hearing right now about ticks this seems like good information to share.

“Here’s what I’ve learned after more ticks than I care to count.
First, whatever your uncle told you, forget it. No matches. No nail polish. No Vaseline. No soap on a cotton ball. All of those do the same terrible thing, they stress the tick out, and a stressed tick empties its gut back into the bite before letting go. Which, if you think about what that actually means for a second, is literally how Lyme and the rest get transmitted so you’re not speeding up its exit. You’re making it throw up into you.
Fine-tipped tweezers. Grip right where the mouthparts enter the skin, not the body, the head. Pull straight up, steady, no twisting, no jerking. It’ll feel like it’s resisting because it is, the mouthparts are barbed. Just keep the pressure on and it lets go in a few seconds. If a piece breaks off in the skin, leave it alone. Your body pushes splinters out. Digging around with a needle does more damage then the fragment ever would.
Clean it with alcohol or soap. Wash your hands.
Now here’s the part most people skip: don’t flush the tick.
Tape it to an index card. Clear packing tape right over the body, write the date and where on your body it was, and stick the card in a drawer. If you come down with anything weird in the next 30 days, rash, fever, joint pain, that flu-that-isn’t-flu feeling, that tick goes with you to the doctor. Some labs will test the tick itself, which is faster and often more reliable than waiting for antibodies to show up in your own blood. A dated tick taped to a card is one of the most useful things you can hand a doctor who’s trying to figure out what’s wrong with you.
The other thing worth saying out loud: if the tick was engorged when you pulled it, and you can’t swear it was off your body within 24 hours, call your doctor that same day. Don’t wait for a rash. Fewer than three out of four Lyme cases even produce the classic bullseye. A single preventive dose of doxycycline within 72 hours of a deer tick bite cuts the Lyme odds way down, and most docs in tick country will write that prescription without giving you a hard time, especially if you walk in with the tick taped to a card and a clear timeline.”

[Richard Clemens, CFA @Hawk100Clemens]

At event discussing private credit markets with presenters about 40 years old, they seem dismayed by non-zero real rate conditions.

[Richard Clemens, CFA @Hawk100Clemens]

@amyactonoh That mission is quite easy. Stop your political pursuits. Life immediately better. Mission delivered.

[Richard Clemens, CFA @Hawk100Clemens]

@CHenneman Realizing the danger, playground planners replaced these torture devices with electric shock therapy delivered by polymers engineered to maximize static.

[Richard Clemens, CFA @Hawk100Clemens]

@amyactonoh Amy Acton has made it clear that she believes Medicaid should enable fraud.

[Richard Clemens, CFA @Hawk100Clemens]

The GOP designed neither Medicaid nor Obamacare where the gates to fraud opened. At the Federal level, the GOP has attempted to fix both pieces of legislation on numerous occasions but have been stonewalled by recalcitrant Democrats. In Ohio Kasich forced us into Medicaid expansion without legislative support and DeWine has done nothing to fix that error.

[Richard Clemens, CFA @Hawk100Clemens]

@RoKhanna Do you even know what the Dred Scott decision decided? People should expect more civic understanding from their congressman.

[Richard Clemens, CFA @Hawk100Clemens]

@amyactonoh Timbers, good handle. You fall for anything including Amy’s lockdowns and lies.

[Richard Clemens, CFA @Hawk100Clemens]

@amyactonoh I get it. The power of politics is intoxicating. Time to sober up, Amy.
Obviously, some outsider is pulling the strings for that trade council because no Ohioan would endorse reliving 2020.

[Brian Wesbury @wesbury]

If you think about it, envy is the only one of the seven deadly sins that has zero upside.