Tammy Clement

I bring a combination of accounting knowledge and firsthand business ownership experience to my role at Wilcox Financial Group. For more than 19 years, I've owned and operated KaLu Salon and Spa, which has given me a deep appreciation for everything that happens behind the scenes of running a successful business. From managing cash flow and overseeing day-to-day operations to leading a team and navigating financial decisions, I understand how much responsibility comes with being a business owner.

Alongside my entrepreneurial experience, I'm currently completing my master's degree in accounting at the University at Buffalo and studying for the CPA exams. I've always enjoyed working with numbers, finding ways to improve processes, and helping make complex financial information easier to understand. I believe that having a clear picture of your finances is an important part of making thoughtful, informed decisions.

What I bring to Wilcox is a practical perspective shaped by years of experience. I know that behind every financial decision is a person, a family, or a business with its own priorities and challenges. I take pride in being detail-oriented, approachable, and someone others can count on. I appreciate being part of a team that values continued learning, strong relationships, and doing meaningful work for the people we serve.

Outside of work, family is everything to me. I'm a mom to two sons and four bonus daughters, and a very proud grandma to a little girl who has completely stolen my heart. I love cooking and bringing family and friends together around the table, preferably with plenty of good food, wine, and cheese.

I'm also a huge Buffalo Bills fan and have made it to 16 NFL stadiums so far! I love travelingn and am getting ready to welcome six free-range chickens to my property. Life is rarely boring, and I wouldn't have it any other way.