About
Kelly Berenbaum, CFP®, CEPA®
Kelly believes trust is the keystone of a successful relationship between client and advisor. She is passionate about helping her clients articulate life goals and think long-term to achieve them.
As a member of Generation X, Kelly can understand and relate to the needs and challenges of both older Baby Boomers and younger Millennials, as well as those trying to transition wealth across generations. She strives for balance across planning and investing to help clients achieve their financial and life goals.
Kelly brings expertise and tailored solutions to clients leveraging her broad business experience and network of professional partners. She aims to provide a sophisticated, yet straightforward experience to ensure that her clients feel confident and in control.
As a former corporate executive and founder of a small business, Kelly enjoys working with business owners and professionals across various fields. Kelly holds a Bachelor of Arts degree in International Business from Eckerd College, and a Master of Business Administration degree from the University of South Florida.
*Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The process of working with a CFP® Professional
Financial Planning Begins
Financial Planning Begins
Once you agree to the scope of the financial planning engagement, including any conflicts of interest, the next step is to gather information about your current finances and talk with you about your needs, priorities, and goals. This is the time to discuss issues such as risk tolerance and your exposure to longevity, economic, liability and health-care risks.
Developing Your Financial Plan
Developing Your Financial Plan
Based on your needs, your advisor may coordinate with other professionals during this process. Examples may include tax professionals, insurance provider(s), estate planning or business attorneys, just to name a few.
Recommendations will be based on your personal circumstances and commonly address savings and investment plan, tax strategies and estate planning.
Plan Presentation and Delivery
Plan Presentation and Delivery
Your advisor will present the prioritized list of recommendations, explain the assumptions that are used to develop the plan, and offer alternatives where appropriate. You will have the opportunity to provide feedback and ask questions during this discussion. Refinements to the plan are expected and encouraged.
At this point in the process, you and your advisor will determine who will manage implementation and monitoring. If your advisor will manage implementation, she will address the implementation timeline, plan monitoring approach, and frequency of ongoing review meetings. If applicable, you will be asked to execute an investment management agreement at this time.
Your plan will be updated based on the plan review discussion and the plan document will be delivered to you.
The process of working with a CFP® Professional
Financial Planning Begins
Once you agree to the scope of the financial planning engagement, including any conflicts of interest, the next step is to gather information about your current finances and talk with you about your needs, priorities, and goals. This is the time to discuss issues such as risk tolerance and your exposure to longevity, economic, liability and health-care risks.
Developing Your Financial Plan
Based on your needs, your advisor may coordinate with other professionals during this process. Examples may include tax professionals, insurance provider(s), estate planning or business attorneys, just to name a few.
Recommendations will be based on your personal circumstances and commonly address savings and investment plan, tax strategies and estate planning.
Plan Presentation and Delivery
Your advisor will present the prioritized list of recommendations, explain the assumptions that are used to develop the plan, and offer alternatives where appropriate. You will have the opportunity to provide feedback and ask questions during this discussion. Refinements to the plan are expected and encouraged.
At this point in the process, you and your advisor will determine who will manage implementation and monitoring. If your advisor will manage implementation, she will address the implementation timeline, plan monitoring approach, and frequency of ongoing review meetings. If applicable, you will be asked to execute an investment management agreement at this time.
Your plan will be updated based on the plan review discussion and the plan document will be delivered to you.