Kathryn Kubiak-Rizzone (CFP®, Chartered SRI Counselor™)

Kathryn Kubiak-Rizzone focuses in the
following client markets or areas of practice:

  • LGBT Couples and Families
  • Medical Professionals
  • Socially Responsible Investments
  • Women's Financial Planning Issues

Planning Specialties

Women Professionals: You work hard serving others. You deserve financial security and freedom. Whether you’re just getting started or well into your career, I’ll help you navigate all the overwhelming decisions that you don’t have time to address alone. I’ll give you support, peace of mind, and save you valuable time. -I feel overwhelmed— Where do I even start? -Are we on track to retire? -How can we save on taxes? -I’m burnt out—Can I afford to make a career pivot? -Should I pay down loans or invest? -How much house can we afford? Should we buy or rent? Small Business Owners & Entrepreneurs: Running a successful business is hard enough without handling your small business finances. Let me help you streamline your bookkeeping and invoicing processes, find the optimal business structure, maximize tax deductions, optimize employee benefits, secure necessary insurance policies, and map out a small business retirement savings plan. -How can I manage uneven cashflow? -Should I be an LLC or S Corp? What are the differences? -Am I getting all the tax deductions I’m eligible for? -Can I open a self-employed retirement account? What’s the best one for me? LGBTQ+ Families: There’s no one-size fits all for queer professionals and families – every individual, couple and family has unique life circumstances. We’re all united against bigotry, though, and eager to live our lives in an affirming, supported environment. I promise to provide a safe space to bring your whole self and to help you navigate the financial decisions that transcend gender norms, binary identities and relationship expectations. -What documents do we need to make sure our family is protected and our wishes are followed? -How do we budget for the costs of fertility treatments, surrogacy, adoption, and/or gender-affirming care? -How can we optimize our taxes as an unmarried couple? What about if we have children? -How can I align my investments with my values?

Additional Information

Fee-Only financial planner for busy career women and families - especially physicians, entrepreneurs, and LGBTQ+ couples. I help eliminate the overwhelm so you can understand your options, know you're on track and have one less thing to worry about. At About Time, we believe that everyone deserves financial empowerment. We give people an affirming space to talk about money and the support they need to make empowered money decisions so they can reach financial freedom and live their fullest lives. I love helping independent, high-earning folks think through what’s best for your life and family – decoding our needlessly complex financial system into something you can actually understand. I am: -Flat Fee, Fee-Only: Transparent pricing with no commissions, no asset minimums. Fiduciary. -Values-Aligned & Impact Driven: We can help you explore socially conscious financial decisions that reflect your values and goals - including sustainable (SRI, ESG) and community impact investing, and values-aligned spending and giving. -Built for You: Everything we do is designed around the unique planning needs of physician families, small business owners, and LGBTQ+ couples - savvy tax-saving strategies, exploring a career pivot, student loan repayment options, self-employed retirement & insurance, budgeting for fertility costs and childcare, protecting your family, home buying vs. renting and more. -Relatable & Affirming: I focus on working with women, gender-expansive folk, and families like yours so I can share the collective wisdom gathered from all of us. I welcome you to bring your whole self. I will meet you where you are and provide financial clarity and peace of mind. -Clear & Efficient: I'll explain your financial options in jargon-free terms, encourage questions, and help you make informed, empowered decisions about your financial future. I'll take as much off your plate as possible and simplify the rest so you can spend time living your fullest life.

NAPFA Start Date

June 23, 2023


This Office

52 Warrington Dr Rochester, NY 14618 Phone: +1 (585) 532-7479