Financial Advisor W. Clay Ford

W. Clay Ford

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Independent Financial Advisor

About W. Clay


Clay Ford has served as the President of E.M. Ford & Company’s financial planning department in Owensboro, Kentucky since 2002. Clay specializes in working with businesses and families in the areas of retirement, investment, and estate planning. He was named manager of the Employee Benefits department in 2013 and became a partner in E.M. Ford & Company in 2014.

Throughout his career, Clay has focused on developing investment strategies with his clients that help them accomplish goals such as: building a steady retirement income stream, helping to pay for their children’s education or building enough capital to purchase a new home or start their own business. He also helps businesses implement retirement plans that encourage their employees to participate and remain loyal to the employer. Clay develops strategies that will help business owners transition the business to the next generation or new owners in an efficient manner. Clay’s financial planning services are an excellent tool to help the insurance clients of E.M. Ford & Company become more prepared for life’s challenges and opportunities across the board.


E.M. Ford & Company focuses on matching clients with the proper policies for their insurance needs, but their reach was limited to the insurance sector until 2002. It was then that the company saw an opportunity to help their clients find solutions to some of the financial issues that were discussed during reviews of their insurance policies.

Clay graduated from the University of Kentucky with a double Bachelor of Applied Arts degree in Finance and Management. While still a student at the University of Kentucky, Clay had the opportunity to meet with several Money Concepts advisors and learn more about the firm. The company’s philosophy of independence, which allows financial advisors to find the best solution for the client rather than the company, matched perfectly with E.M. Ford’s approach as an independent agent.

Clay Ford has enjoyed a relationship with Money Concepts and the benefits that affiliation has provided his clients for more than a decade. The growth of his business has proven that the selection of Money Concepts was a great choice.


Clay graduated from the University of Kentucky in December of 2001 with a BBA in Finance and a BBA in Management.

  • University of Kentucky - BA Major: Finance and Management

Clay has been named to the Millionaires Club 2008-2010 and was named 2010 President of the Year in the Bluegrass Region of Money Concepts. The region represents all of Kentucky, Southern Indiana, Southern Ohio and parts of Tennessee.


  • Series 7 - Full Registration/General Securities Representative
  • Series 66- Uniform Combined State Law
  • Variable Life, Health & Annuity licensed in KY
  • Securities licensed in the states of KY, CA, CO, FL, GA, IN, MO, NH, TN, TX


Clay and his wife Diane reside in Owensboro with their two children. They have an 8-year-old daughter, Whitley, and a 6-year-old son, John Clay. Clay and his family are members of First Baptist Church of Owensboro. He currently serves on the board of directors for The Pritchard Committee for Academic Excellence, the Wendell Foster’s Campus for Developmental Disabilities, the National Advisory Board for the University of Kentucky Libraries, and the Owensboro-Davies County Regional Airport.  In his free time, Clay enjoys spending time with his wife, playing outdoors with his children, golfing, and almost any type of water sport.

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Important Investing Information: Not all investments and services mentioned are available in all states. Money Concepts registered representatives are restricted to conduct business only with residents of a state and/or jurisdiction for which they are properly registered. When investing from outside of the United States, you are subject to the securities and tax regulations governing your jurisdiction. Contact us directly for detailed information about investment regulations outside of the United States. Registered Representatives State License Disclosure

W. Clay Ford is an independent contractor of Money Concepts

note: EM Ford & Company is an independent firm and not affiliated with Money Concepts

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