Thomas W. Clements, JR. is President of Cremen, Clements & Associates Pension Administration, Inc., a company that has been involved in employee benefit planning in the Washington-Baltimore area for more than 28 years.

Cremen, Clements and Associates Pension Administration, Inc.
(CCAPA) is in business to provide quality, cost-effective
administration services to pension, profit sharing and 401(K)
plans that are sponsored by small to medium-sized businesses.
We are a service company and the needs and wants of our Clients
are our primary concern. We are dedicated to helping our Clients
get what they want.