Business Details
17 Years
experience
Fee-Only Financial Planning in Westerville, OH
Founded in 2009, Accountable Financial Planning operates as a fiduciary-driven financial advisory firm dedicated to providing unbiased, fee-only financial planning and investment management services. Our practice serves clients across Ohio and multiple other states, emphasizing transparency, client-first priorities, and customized financial strategies. With credentials including Certified Financial Planner (CFP) and NAPFA registration, our team brings extensive education and experience to help clients navigate complex financial decisions.We prioritize long-term relationships, offering ongoing support to adapt to evolving life stages and financial goals. Our fee structure is fully disclosed upfront, ensuring no hidden costs or conflicts of interest. Through a no-cost initial consultation, we aim to build trust and determine mutual fit before formalizing any engagement. Our comprehensive services span retirement planning, tax optimization, estate guidance, and more, tailored to individual client needs.
Services
Investment Advice
Investment Management
Cash Flow Management
Retirement Planning
Insurance Planning
Income Tax Planning
College Planning Guidance
Estate Planning Guidance
Employer Benefits Analysis
Debt Management
Details
- Year established: 2009
Highlights and features
- We are independent and work solely for our clients without third-party compensation.
- Our fee-only structure ensures unbiased recommendations with no product sales or commissions.
- We adhere to the highest fiduciary standards, prioritizing client interests above all.
- Our team consists of credentialed professionals with extensive education and experience.
- We offer personalized financial strategies tailored to each client's unique goals and needs.
Associations and certifications
- CFP Board
- NAPFA
Services
Investment Management
We provide ongoing investment management with periodic reviews and rebalancing tailored to your risk tolerance and financial goals. Our services include trade execution, diversification optimization, and access to institutional-class funds with lower costs. By focusing on tax-efficient strategies and expense reduction, we help maximize long-term returns while aligning with your unique financial situation.
Retirement Planning
Our retirement planning services analyze income needs, Social Security optimization, and employer retirement plans to create a sustainable financial roadmap. We incorporate tax-reduction techniques and goal-based projections to ensure your retirement savings align with your desired lifestyle. Regular reviews help adapt strategies as market conditions and personal circumstances evolve.
Tax Planning
We develop customized tax planning strategies to minimize liabilities through deductions, credits, and income-shifting techniques. Our services include tax return review, retirement account contribution guidance, and coordination with estate planning to optimize overall tax efficiency. By staying current on legislative changes, we help clients retain more of their hard-earned income.
Estate Planning Guidance
Our estate planning guidance focuses on document review, tax reduction strategies, and asset distribution recommendations. We collaborate with estate attorneys to ensure your wishes are legally protected while minimizing tax burdens for beneficiaries. Services include updating beneficiary designations and creating contingency plans for incapacity or death.
College Planning
We help families navigate college cost projections, 529 plan evaluations, and student loan strategies to balance education goals with long-term financial health. Our approach considers financial aid implications and tax-efficient savings methods, ensuring education funding doesn't compromise retirement or other critical objectives.
People
Andy Kerns
Principal
CFP professional with 15+ years of experience in fee-only financial planning. Former financial planner at a fiduciary firm, specializing in tax optimization and retirement strategies. Graduated Summa Cum Laude from the University of Cincinnati with a civil engineering degree.
Katy Kerns
Principal
Masters in Accountancy from Virginia Tech with a tax specialization. Former high school teacher and small business owner providing tax and bookkeeping services. Manages back-office operations and client support for the practice.
Questions
What services do you offer?
We provide comprehensive financial planning, investment management, retirement planning, tax optimization, estate guidance, and college planning tailored to individual client needs.
Are you fiduciaries?
Yes, we are fiduciaries who prioritize client interests above all, with no product sales, commissions, or conflicts of interest in our fee-only structure.
How are your fees structured?
Fees are based on income, assets, and complexity through an annual retainer or hourly arrangement. All costs are fully disclosed upfront during your no-cost consultation.
Do you work with out-of-state clients?
Yes, we serve clients nationwide, with primary offices in Westerville and Bellefontaine, Ohio, and virtual consultations available for non-local clients.
What credentials do your advisors hold?
Our advisors hold Certified Financial Planner (CFP) designations, NAPFA registration, and advanced degrees in finance and accounting, ensuring rigorous professional standards.
Can I schedule a free consultation?
Yes, we offer a no-cost, no-pressure initial consultation to discuss your goals and determine if we're a good fit to work together.
