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Helping you achieve the end of financial anxiety

Shaping finance around your life, not the other way around

Financial planning doesn’t need to be so dreadful

The financial planning process can be intimidating, anxiety-inducing, dreadful. Humorless. Icky. 

I’m Karen Coyne, CFP®. And I’m here to tell you: It doesn’t have to be that way.

As an advisor, I don’t look at money as if it just lives on a spreadsheet. Because money is much more than math. It’s a vine that weaves and intersects with so many other aspects of your life, from your work to your relationships. You don’t live in a spreadsheet, you live in the real world. So let’s keep it real.

My clients are entrepreneurial physicians and other successful professionals who value their time, wellness, and relationships as much as any other asset. We work together to identify how your money will best serve your vision and values. Then, the focus is on being actionable. Make decisions when you have options, before life makes your decisions for you.

I am working to change financial planning, one client at a time.

Listen to the money without math Podcast

I’m driven to open up the conversation around money—the good, the bad, the funny, the messy—and do so as a speaker, author, and podcast host of MONEY WITHOUT MATH 

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Double Stress and Burden, No Tomato, in the GenX Fully Loaded Sandwich

Karen Coyne / January 2, 2024
                      “One thing I do know about being a parent:  You understand                                  why your father was in a bad mood a lot.”   -Adam Sandler

Recently I came across this article about longevity and how it is challenging some of us to reimagine our later years. By “us”, I’m referring to my fellow Gen Xers and younger baby boomers in particular. Not surprisingly, it’s this cohort that is carrying the most stress and burden from increased longevity. And I don’t see that this is going to change anytime soon.

We are the sandwich generation, and this is one fully loaded sandwich. Layers typically include preparing to send kids to college or on their own, traveling across the state for their sports and events, moving mom to memory care, checking on dad’s meds, leading professionally in an ever-changing environment, and oh yeah, deciding what to make for dinner.

The words “Calgon, take me away!” come to mind, but the reality is that no bath bomb on the market will dissolve our demands. Here’s what I do know:

You must care for yourself

Financial experts tell you to “pay yourself first,” flight attendants tell you to p

Would You Host a Will Party?

December 21, 2023

“I’ve told my children that when I die, to release balloons in the sky to celebrate that I graduated. For me, death is a graduation.” —Elisabeth Kubler-Ross

What if we celebrated leaving life as well as we do entering it? After all, it also only happens once.

Somber, staid traditions are kicking the bucket; death is experiencing a glow up. Green burial, aquamation, getting launched into space—these are just a few alternatives to traditional burial that have become available. My personal favorite? Becoming a diamond.

Similarly, I’ve been hearing and reading more stories about memorable, meaningful, and even fun events celebrating the end of life. Some of these events are held before someone passes away, such as a living wake, creating a beautiful opportunity to share stories and expressions of love and appreciation. These events can also combine party with practical, as was the case when Nicola Tomlin’s client had the idea to throw a will party.

Would you throw a will party? What about a living wake? Would you prefer a garden party, or beer and food trucks? Turn me into a diamond and pass the champagne.

The Financial Skills You Need That Nobody Told You About (Until Now)

August 11, 2023

If you’ve been listening to the Money Without Math podcast (previously FRESH OFF THE VINE), you may have picked up on a common theme: money intersects with nearly every aspect of our lives. From our work to our health and relationships, we must regularly address money issues that are available in a wide variety of flavors and sizes. Money doesn’t just exist in our wallets or on account statements, and math alone will only get us so far. We can’t budget our way out of a disagreement with a coworker or spouse, for example. We need to be equipped to deal with money in these various capacities, and that requires more than purely financial acumen.

In particular, the ability to have productive and healthy conversations around money—with your partner, or your parents or children—has been a reoccurring theme on the podcast. Dr. Joy Lere, a licensed clinical psychologist, described how we act out using money when communication is lacking. Denise Logan, author and former attorney, described a similar outcome for business owners during the emotional process of selling a business. Dan Solin, also a former attorney as well as New York Times bestselling author, shared several practical tips for approaching difficult conversations on the show.

I invited psychologist and family wealth consultant Dr. Moira Somers to discuss her work and in particular, a blog she wrote about the top 10 financial skills needed for modern families. What I noticed is that her list contained not just the standard advice around saving regularly and spending wisely, b

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