Kelly Wealth Advisor Blog Posts

The Mega Backdoor Roth Strategy

Mon, 16 Feb 2026 13:47:46 GMT

This is a Roth savings strategy for higher income earners who have the ability to save above and beyond their 401k/403b employee contributions limits of $24,500 (or $32,500 if over age 50 in 2026). However, keep in mind the maximum combined employee and employer contribution limit for 2026 is $72,000. This means you are limited as to the amount of after-tax contributions you can make annually.

Pros:

- Able to direct funds to Roth if you cannot make direct Roth IRA contributions due to income phase-out ranges (phase-out starts at $81,000 of income as single filer and $129,000 for married filing jointly).

Logistically you make after-tax 401k contributions that are then converted to Roth within the retirement plan or rolled out to a Roth IRA.

- Able to direct funds to Roth if you cannot make back-door Roth IRA contributions (non-deductible IRA contributions converted to Roth). If you already have money in any IRA and make non-deductible IRA contributions with the intent to convert to Roth, you will pay tax on all or part of your current IRA balances.

Cons:

- Your employer retirement plan must allow for after-tax contributions.

- Your employer retirement plan must allow Roth contributions to convert within the plan.

- If you make the after-tax 401k/403b contributions, you must then remember to convert to Roth within the retirement plan or rollover to an outside Roth IRA for the growth on the after-tax contributions to be characterized as Roth.

- You must be eligible to rollover after-tax contributions out of your 401k, typically in-service 401k rollovers are permitted at age 59 ½

- You are still limited in the amount of after-tax contributions you can make by the $72,000 maximum combined employee and employer contribution annual limit.

Mega backdoor Roths are still typically a great strategy for those who have excess funds to save and/or need to catch up on their retirement planning savings. Please reach out to Amy directly with any questions at amy.kelly@prudential.com .

Content in this material is for general information only and not intended to provide specific individualized tax, legal advice, or recommendations for any individual. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

All about Roth IRA Conversions

Thu, 22 Jan 2026 17:37:53 GMT

Roth IRA Conversions

A Roth IRA conversion can be powerful to use in your financial planning. But like most financial strategies, it's not right for everyone, and the timing matters considerably.

Understanding the Basics:

A Roth IRA conversion is the process of moving money from a traditional IRA (individual retirement account) into a Roth IRA. You convert pre-tax retirement savings into after-tax savings.

The most common scenario involves converting funds from a traditional IRA to a Roth IRA. However, you can also (sometimes) convert money from other pre-tax retirement accounts, including 401(k)s, 403(b)s, and similar employer-sponsored plans.

Here's what makes this conversion significant: traditional retirement accounts are funded with pre-tax dollars. You get a tax deduction when you contribute (if you qualify), but you'll pay ordinary income taxes when you withdraw the money in retirement.

Roth IRAs work in reverse. You pay taxes on the money going in, but qualified withdrawals in retirement are completely tax-free if you meet the requirements for tax-free withdrawals.

When you do a Roth conversion, you're choosing to pay the taxes now rather than later. You're moving money from a "pay taxes later" account into a "never pay taxes again" account.

How Does a Roth IRA Conversion Actually Work?

The mechanics of a Roth IRA conversion are relatively straightforward, though the tax implications require careful consideration.

You start by deciding how much you want to convert. You don't have to convert your entire traditional IRA balance. You can convert any amount you choose, from a few thousand dollars to the entire account. The money moves from your traditional IRA to your Roth IRA.

Here's the critical part: the amount you convert is added to your taxable income for that year. If you convert $50,000, that's an additional $50,000 of income you'll report on your tax return. The tax bill is due when you file your taxes for the year in which you did the conversion. This is why timing and planning are so important.

When Does a Roth Conversion Make Sense?

If you expect to be in a higher tax bracket in later years.

This is perhaps the most common reason to consider a Roth conversion. If you're currently in a lower tax bracket than you anticipate being in during retirement or in later years, paying taxes now could save you money in the long run.

This scenario often applies to people early in their careers who expect their income to grow substantially. It can also apply to business owners during a slower year or anyone experiencing a temporary dip in income.

You want to reduce future required minimum distributions

Traditional IRAs come with required minimum distributions (RMDs) once you reach a certain age. These forced withdrawals can push you into a higher tax bracket, trigger Medicare premium surcharges, and affect the taxation of your Social Security benefits.

Roth IRAs don't have RMDs during your lifetime. By converting traditional IRA money to a Roth IRA, you reduce the balance subject to RMDs, giving you more control over your taxable income in retirement.

You're planning for estate tax efficiency

If you're planning to leave retirement assets to heirs, Roth accounts can be more tax-efficient. Your beneficiaries will inherit a Roth IRA and can take distributions tax-free, whereas inherited traditional IRAs require beneficiaries to pay income taxes on withdrawals.

Recent changes to inherited IRA rules have made this consideration even more important. Most non-spouse beneficiaries now must empty inherited retirement accounts within 10 years, which can create significant tax burdens if the account is a traditional IRA.

You believe tax rates will increase in the future

Some people do Roth conversions based on the belief that federal income tax rates will rise in the coming years. Whether you think this is likely depends on your view of fiscal policy and budget deficits. If you believe rates will increase, locking in today's rates through a conversion could make sense.

The Advantages of Roth Conversions

Beyond the specific scenarios above, Roth conversions offer several structural advantages worth considering.

Tax-free growth forever

Once money is in a Roth IRA, all future growth is tax-free, assuming you meet the requirements for qualified distributions. If you convert $50,000 today and it grows to $200,000 over the next 20 years, you'll never pay taxes on that $150,000 in growth.

This is particularly powerful if you have a long time horizon. The longer the money can grow tax-free, the more valuable the conversion becomes.

Flexibility in retirement

Roth IRAs give you more flexibility to manage your taxable income in retirement. You can strategically withdraw from Roth accounts in years when you want to keep your taxable income lower, perhaps to avoid Medicare surcharges or to stay within a certain tax bracket.

No required minimum distributions for Roth IRAs

The absence of RMDs during your lifetime means you're not forced to withdraw money you don't need. This lets your money continue growing tax-free for as long as you live.

Protection against future tax increases

A Roth IRA conversion essentially locks in today's tax rates. Whatever happens to tax policy in the future, your Roth IRA won't be affected. The money is already taxed, and future withdrawals remain tax-free.

The Disadvantages and Risks of Roth Conversions

As attractive as Roth conversions can be, they come with significant drawbacks that you need to understand before moving forward.

The immediate tax bill

This is the most obvious disadvantage. Converting $50,000 means adding $50,000 to your taxable income. Depending on your tax bracket, this could mean a substantial increase in your tax bill.

If you don't have cash available outside of retirement accounts to pay this tax bill, a conversion becomes much less attractive. Using funds from the conversion itself to pay taxes reduces the amount that can grow tax-free and may trigger additional penalties if you're under age 59½.

Potential for higher tax brackets

A large conversion can push you into a higher marginal tax bracket. The U.S. tax system is progressive, meaning different portions of your income are taxed at different rates. A conversion could cause some of your income to be taxed at rates higher than you typically pay.

Impact on other tax benefits

The Medicare premium impact deserves special attention. If your modified adjusted gross income exceeds certain thresholds, your Medicare Part B and Part D premiums can increase substantially, and this increase is based on income from two years prior.

The Five-Year Rule for Roth Conversions

When you convert funds from a traditional IRA to a Roth IRA, you trigger a five-year waiting period for each conversion. This period begins on January 1 of the conversion year. While you pay income tax on the converted amount at the time of conversion, the five-year rule creates an additional layer of restriction on accessing those funds.

Each conversion starts its own five-year clock, so multiple conversions mean tracking multiple waiting periods. The rule is designed to maintain the retirement-focused purpose of these accounts while still allowing the tax benefits of Roth conversions for long-term planning.

Timing of Roth Conversions

The timing of conversions matters for tax planning. You can do conversions at any time during the year, but you might want to wait until later in the year when you have a better sense of what your total income will be. This helps you avoid accidentally pushing yourself into a higher bracket than anticipated.

Some people do a series of smaller conversions over several years rather than one large conversion. This strategy, sometimes called "bracket filling," involves converting just enough each year to stay within a target tax bracket.

Is a Roth Conversion Right for You?

Given all these factors, how do you actually decide if a Roth conversion makes sense for your situation?

Start by looking at your current tax situation. What's your marginal tax bracket this year? Do you have any unusual deductions or credits that might lower your taxable income?

Next, think about your future tax situation. This requires some educated guessing, but consider factors like expected retirement income, pension payments, Social Security benefits, and whether you'll have other taxable income in retirement.

Ask yourself about cash flow. Do you have money outside of retirement accounts to pay the tax bill? If not, the conversion becomes much less attractive.

Frequently Asked Questions About Roth Conversions

Can I convert my 401(k) to Roth?

Yes, but check with your employer. Your 401k must allow for Roth within the plan and for Roth conversions within the plan.

Is there a limit on how much I can convert?

No. Unlike annual Roth IRA contribution limits, there's no limit on how much you can convert in a given year. You could convert your entire traditional IRA balance if you wanted to and were willing to pay the taxes.

When is the best time of year to do a Roth conversion?

You can do a Roth conversion any time during the calendar year. However, many people wait until later in the year, often in the fourth quarter, when they have a clearer picture of their total annual income.

This timing helps you avoid accidentally converting too much and pushing yourself into a higher tax bracket than you anticipated. It also gives you more time to save up cash to pay the tax bill.

Can I reverse a Roth conversion if I change my mind?

No. Since the Tax Cuts and Jobs Act of 2017 went into effect, Roth conversion recharacterizations are no longer allowed. Once you complete a conversion, it's permanent.

This makes it even more important to carefully consider the decision and run the numbers before converting.

How does a Roth conversion affect my Social Security benefits?

The conversion itself doesn't affect your Social Security benefit amount. However, the additional taxable income from the conversion could cause more of your Social Security benefits to be taxable in the year you do the conversion.

Reach out to Amy directly if you have additional questions. amy.kelly@prudential.com

The One Big Beautiful Bill Act

Tue, 13 Jan 2026 19:54:55 GMT

What you need to know!

The One Big Beautiful Bill Act was signed into law summer 2025 in a move to preserve key elements of the Tax Cuts and Jobs Act (TCJA) from 2017.

Provisions of the bill either permanently or temporarily extend aspects of the tax code which likely affect YOU and brings numerous financial planning implications and opportunities for us to consider.

Key Financial Planning Provisions of the OBBA:

Individual federal income tax rates: Permanently extends, with inflation adjustments, starting in 2026.

Standard deductions: Makes permanent the increased standard deduction, adjusted annually for inflation. For 2026, the standard deduction is $16,100 for individual filers, $32,200 for joint filers and $24,150 for head of household.

New permanent charitable deduction : Beginning in 2026, those who claim the standard deduction can claim an additional deduction of up to $1,000 for single filers or $2,000 for married filing jointly for charitable contributions of cash.

Enhanced standard deduction for seniors: Adds a $6,000 deduction for each individual senior who is age 65 or older through 2028. The senior deduction begins to phase out when the taxpayer’s income (MAGI) exceeds $75,000 for single and $150,000 for joint filers.

Frequently Asked Question : What happens if my income goes over the phase out amount?

If your income goes over the threshold amount, the $6,000 deduction reduces by $0.06 for every $1 of income that exceeds the threshold.

Auto Loan Interest : Taxpayers can deduct up to $10,000 of interest on a car loan used to purchase a personal vehicle. The car must be purchased (not leased) between 2025 and 2028 and final assembly must have occurred in the United States.

Cap on itemized deductions: The value of itemized deductions is capped at 35% for taxpayers in the highest tax bracket.

SALT (state and local taxes) deduction: Increases the cap from $10,000 to $40,000 increasing 1% annually through 2029, phasing out at $500,000 of modified adjusted gross income (MAGI) before returning to $10,000.

Alternative minimum tax (AMT): Permanently extends the increased individual AMT exemption amounts and reverts the exemption phaseout thresholds to 2018 levels ($500,000 single and $1 million joint filers), indexed for inflation thereafter.

Increased estate and gift tax exemption: Permanently extends the estate and lifetime gift tax exemption to $15 million single and $30 million joint filers starting in 2026 and indexed for inflation.

Frequently asked question : how much can I gift to family members or friends in 2026 without paying taxes?

The annual gift tax exclusion amount is $19,000 per person in 2026. If you gift more than $19,000 to any single person, you should file a gift tax return and the additional amount will simply reduce your lifetime gift tax exemption amount.

There are many more provisions of the One Big Beautiful Bill Act that affects younger families such as the permanent child tax credit, the Trump savings account, an expanded definition of qualified expenses for 529 plans and many more.

Contact Amy at amy.kelly@prudential.com if you want to discuss any of these provisions in greater detail.

Start 2026 Strong with our Financial Checklist

Sun, 04 Jan 2026 15:28:46 GMT

Happy New Year!!

As we step into 2026, it’s the perfect time to review your financial goals and make any adjustments to work towards your goals. We wanted to share a few actionable financial tips to help you make the most of the year ahead:

2026 Financial Checklist:

Review and Adjust Your Goals : Revisit your short and long-term financial objectives and adjust for any changes in your life or market conditions.

Frequently Asked Questions often include how do I to track goals and measure? We suggest creating a template or summary for each goal. i.e building up an emergency fund first and then increase 401k contributions. Or, save $ per paycheck and then monitor these goals on a frequent basis throughout the year.

Maximize Contributions : Take advantage of increased contribution limits for 401(k)s, IRAs, Roth IRAs, HSAs and other retirement accounts in 2026.

A major change this year by the SECURE 2.0 Act is that high earners (earning more than $150,000 in 2025) are required to make Roth catch up contributions beginning in 2026.

There is also a “super catch-up” available for those age 60-63.

Plan for Tax Efficiency : Review your tax strategies early in the year, including opportunities for deductions and tax-loss harvesting.

If you plan to take the standard deduction in 2026, there is a new charitable deduction, on top of the standard deduction, up to $1,000 for single filers and $2,000 for married couples filing jointly.

Diversify Investments : Ensure your portfolio is balanced to weather potential market fluctuations and/or consider buffered strategies.

Frequently asked questions include – what are buffered strategies? These are fairly new strategies that provide a buffer which protects against market downturns, often stated as a percentage. For example, a 10% buffered strategy on the S&P 500 Index would protect against a 10% downturn.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Emergency Fund Check-Up : Confirm that you have 3–6 months of expenses saved, especially with economic uncertainties in the new year.

Second Opinion : We offer a complimentary second opinion of your financial plan. Our analysis will conclude one of the following: you are on the right track, you need to make a few changes or you need a full reevaluation.

Feel free to email Amy at amy.kelly@prudential.com

At Kelly Wealth Advisors, we specialize in tailoring planning and investment strategies to help you thrive in today’s dynamic financial landscape.

If you’re ready to take the next step, we’d love to schedule a brief call to discuss how we can help you achieve your goals in 2026 and beyond.

Wishing you a successful and prosperous year ahead!

Year - End Financial Planning Checklist

Wed, 03 Dec 2025 21:48:55 GMT

Year-End Financial Planning Checklist for 2025

The year will soon come to a close and there are a number of items to make sure you address before December 31 ^st

Retirement Plan Contributions

Check your paystub or retirement plan online to make sure you are on track to maximize your employer retirement plan contributions. The deadline of these contributions is December 31 ^st . The maximum amount you can contribute to a 401k or 403b is $23,500. Those 50 and older can contribute an additional $7,500. Those between ages 60-63 can contribute an additional $11,250.

Planning opportunity: beginning in 2026, all employer retirement plan catch up contributions are required to be made as Roth contributions which are after-tax. Consider maximizing your 2025 catch up contributions while they are still pre-tax.

You have until April 15 ^th of 2026 to maximize IRA and Roth IRA contributions. The maximum amounts are $7,000 (or $8,000 if you’re 50 or older) or the amount of your earned income if less than $7,000. Determine if IRA contributions should be deductible or non-deductible and consider Roth IRA contributions instead of traditional IRA contribution if you are eligible.

If you are not eligible to make IRA contributions because your income exceeds the thresholds, consider back-door Roth IRA contributions. You can make a back door IRA contribution by contributing to your traditional IRA as a non-deductible contribution and then converting the contribution to Roth. The converted amount is treated as taxable income and may affect your tax bracket. Federal, state, and local taxes may apply. If you’re required to take a minimum distribution in the year of conversion, it must be completed before converting.

Required Minimum Distributions (RMDs)

If you are required to take RMDs from your own retirement plan or an inherited retirement plan, make sure these are completed by the end of the year to avoid IRS penalties.

Roth Conversions

Consider converting a portion of your IRA to Roth before the end of the year deadline. Unlike Roth IRA contributions, conversion from an IRA to Roth must be completed by December 31 ^st to be reported on your 2025 income taxes.

Planning Opportunity: deciding when to convert often depends on whether your tax rate will be higher now or in the future. If you believe your tax rate is lower now than it'll be when you start taking withdrawals, a conversion may be beneficial. You'll pay conversion income taxes now while you're in a lower tax bracket, and you'll enjoy tax-free Roth IRA withdrawals later when the higher tax bracket won't matter.

Charitable Contributions

If you are charitably inclined and give to charity, consider giving appreciated investments or, if you are over age 70 ½, you are eligible to give to charity from your IRA. Even though the RMD age is 73 for this year, you can give from your IRA if you are over age 70 ½, up to $100,000.

Tax Loss Harvesting

Check your non-retirement accounts for any tax losses you can harvest. If you own an investment in a non-retirement account that is currently at a loss, consider selling and buying back in 31 days to avoid the wash sale rule.

529 Plan Contributions

If you have a college savings plan for a child, grandchild or friend, make sure you complete your contribution before the end of the year to qualify for a state income tax deduction (if applicable in your state).

FAQs (Frequently Asked Questions)

Should I make traditional retirement plan contributions Roth contributions?

Generally, if you. believe you are in a lower tax bracket today then you will be in retirement when you will be drawing from your accounts for spending, then after-tax Roth contributions are typically best. However, the more you can contribute or convert to Roth the better because you will not pay tax on the growth when withdrawn for spending.

I have an inherited IRA and am required to withdrawal within 10 years. What is the best withdrawal strategy?

It typically comes down to income tax planning. Are there years when you will have lessor income? If so, withdrawal more during those years.

Are you taking new clients and what is the first step to explore working with you?

Yes, we are taking new clients! Feel free to email Amy at amy.kelly@prudential.com and she will schedule a complimentary discovery meeting with you.

This material is for informational purposes only and does not constitute tax, legal, or investment advice. Please consult a qualified tax professional regarding your individual circumstances. show less

The Basics of Retirement Planning

Thu, 09 Oct 2025 16:35:39 GMT

Planning for retirement is one of the most important financial steps you can take. While the details vary for every individual, the fundamentals remain the same. A well-crafted retirement plan provides clarity and confidence as you move into the next stage of life.

Why Retirement Planning Matters

Retirement is not just about leaving work behind. It’s about creating the financial freedom to live the life you want, on your terms. Without a retirement plan, you risk outliving your savings, paying more taxes than necessary, or feeling uncertain about your future.

A strong retirement strategy gives you control. It helps you understand where you are today, where you want to be, and the steps needed to get there.

Step One: Know Your Retirement Goals

The foundation of any retirement planning process begins with your goals. Ask yourself:

When do I want to retire?
Where do I want to live?
What kind of lifestyle do I want to maintain?

Some people picture a quiet life close to home. Others see retirement as a time for travel and new experiences. Your answers will determine how much income you need each year and how long your retirement savings must last.

Step Two: Understand Your Retirement Expenses

Expenses don’t disappear in retirement. In fact, we see many people spend more during their retirement years.

Separating your expenses into fixed and discretionary categories is the first step. Fixed expenses include housing, food, insurance, and healthcare. Discretionary expenses include vacations, entertainment, shopping, etc

Understanding your retirement budget early helps you plan with greater confidence.

Step Three: Take Stock of Your Retirement Income Sources

Retirement income typically comes from several places. Social Security, employer pensions, personal savings, and investment accounts. The key is to understand how these sources work together.

Social Security benefits depend on your work history and when you choose to start claiming. Pensions, if available, may provide predictable income. Savings and investments—including 401(k)s, IRAs, and taxable accounts—fill the gap between what guaranteed sources provide and what you actually need.

Step Four: Build a Retirement Savings Strategy

Your retirement savings strategy should balance growth with preservation. As you get closer to retirement, the focus often shifts from aggressive growth to protecting what you’ve built.

A diversified portfolio can provide growth while managing risk. The right allocation depends on your timeline, comfort level with market volatility, and income needs.

If you’re still in your 50s or early 60s, maximizing contributions to your 401(k) or IRA can boost your retirement savings. Catch-up contributions can be especially valuable in the years leading up to retirement.

Step Five: Plan for Taxes in Retirement

Taxes are often overlooked in retirement planning, yet they play a significant role in your plan.

Withdrawals from traditional IRAs and 401(k)s are generally taxed as ordinary income. Roth accounts, on the other hand, can provide tax-free income if conditions are met. Strategic planning around when and how to take distributions can reduce your tax burden over time.

A tax-efficient withdrawal strategy can help extend the life of your retirement savings.

Step Six: Prepare for Healthcare Costs in Retirement

Healthcare can be one of the largest expenses in retirement. Medicare provides a foundation, but it doesn’t cover everything. You may need supplemental insurance to help with deductibles, copayments, and prescription costs.

Long-term care is another factor to consider. Many retirees underestimate the cost of extended care, whether at home or in a facility. Exploring long-term care insurance or other strategies can protect your assets and provide peace of mind.

Step Seven: Protect Your Estate

Estate planning ensures that your assets are distributed according to your wishes and that your loved ones are cared for. At a minimum, review your will, power of attorney, and healthcare directives.

If your estate is larger or more complex, trusts and other strategies may help streamline the transfer of wealth. Estate planning is not just about money—it’s about making decisions now that protect your family later.

Step Eight: Revisit and Adjust Your Retirement Plan

Retirement planning is not a one-time event. Life changes, markets fluctuate, and tax laws evolve. Regularly reviewing and updating your retirement plan ensures it stays aligned with your goals.

Many people find value in working with a financial advisor during these reviews. An advisor can provide perspective, identify blind spots, and recommend adjustments based on your current situation.

The Value of Working With a Financial Advisor

While the basics of retirement planning are straightforward, the details can quickly become complex. Social Security timing, tax-efficient withdrawal strategies, and investment allocation are just a few areas where professional guidance can make a difference.

Working with a retirement advisor gives you a partner who can help you navigate uncertainty and create a financial plan designed for your life.

Final Thoughts

The basics of retirement planning begin with knowing your goals, understanding your expenses, and building a strategy for savings, income, taxes, and healthcare. Estate planning and regular reviews keep your plan strong as circumstances change.

Retirement is not just about reaching a financial finish line. It’s about creating a future that reflects your values and gives you confidence.

FAQs (Frequently Asked Questions)

This is overwhelming, where do I start?

· The best place to start is to determine your current income and how much you typically spend annually. What is your net monthly income? Do you typically spend all of your net income or save a portion? If you save a portion, how much and then how much do you have left to spend? This is an easy way to back into your annual expenses.

How much do you charge for a retirement plan?

· We charge either a flat fee for a retirement plan or an annual fee based on assets under management, which includes retirement planning.

How do you know if I am on track for retirement?

· We use our financial planning modeling software and use Monte Carlo Analysis and withdrawal rate analysis to determine if someone has a successful plan. And no, Monte Carlo Analysis doesn’t mean taking your investments to Vegas.

Are you taking new clients and what is the first step to explore working with you?

· Yes, we are taking new clients! Feel free to email Amy at amy.kelly@prudential.com and she will schedule a complimentary discovery meeting with you.

FAQs

Thu, 02 Oct 2025 14:07:03 GMT

Frequently Asked Questions

How long have you been practicing?

I have been a Certified Financial Planner® since 2003 and working in the industry since 1998.

Are you taking new clients and if so, what type of clients?

Yes. My typical new client is over age 50 and seeking to confirm their financial plan or create a financial plan to guide them to and through retirement.

Do I have to be in your area or can you work with me remotely?

You do not need to live in Columbus, Ohio to work with me. In fact, I have clients throughout Ohio, in Florida, Tennessee, Virginia and Illinois (to name a few states). I work with clients outside of Columbus virtually using Microsoft Teams or Zoom. I meet with clients who are local at my office at Easton. Although, some clients who are local prefer to meet virtually and that is okay with me!

Is there a minimum amount of money I have to have to work with you?

No.

Are you a fiduciary?

Yes. As a CFP ^® professional, I must act as a fiduciary, and therefore, in the best interest of my clients at all times when providing Financial Advice. Per the CFP Board’s Fiduciary Duty, I am required to place the interests of my clients above my own interests, fully disclose any conflicts of interest and to act in the best interests of my clients at all times.

Where is my money held if I work with you?

I work with LPL Enterprise as my investment custodian and broker dealer.

How much does it cost to work with you?

I charge either a financial planning fee or asset under management fee.

Can I schedule a meeting with you to discuss at no cost?

Yes, absolutely! Feel free to email me at amy.kelly@prudential.com

Why is your email address amy.kelly@prudential.com ? How is Prudential involved?

I’m a statutory employee of Prudential which means I’m somewhat of a hybrid of self-employed and not self-employed. I receives benefits from Prudential, but have much flexibility and choices for how I run my business. My email address is through Prudential for now. Please reach out if you have additional questions.

Where did you find your stock photos used throughout your website?

Great question! I actually took all the photos used on my website from my. favorite place to vacation in the Florida Keys. Big Pine Key to be exact :)