I’m Kristen Vernace, CFP® and founder of Pathways Financial Planning, a fee-only, advice-only firm serving clients across the U.S.

Prior to financial planning, I worked in education and community-focused roles, where I developed strong communication skills, a patient approach, and a commitment to serving clients from various backgrounds. I bring this same approach to financial planning, combining rigorous analysis with a clear understanding of each client’s unique goals and circumstances.

As a Certified Financial Planner™ professional and fiduciary, I help individuals and couples make confident, objective financial decisions—without the pressure of sales or product recommendations. I offer both hourly and ongoing financial planning, with a focus on:

– Retirement readiness and financial independence

– Investment strategy and tax efficiency

– Budgeting, debt management, and cash flow planning

– Navigating life transitions such as divorce, relocation, or career changes

My clients appreciate thoughtful, jargon-free guidance and a planning relationship that honors their values and objectives. Whether you need a one-time consultation or long-term support, I meet you where you are and help you move forward on your financial path with clarity and confidence.