Tax-Integrated Financial Planning & Investment Advisory
Helping high earners and retirees keep more of what they earn through smarter, coordinated strategies
Every event we host is designed with intention, from the atmosphere we create to the way each session flows.
Most Financial Plans Ignore Taxes.
Investment decisions made without tax strategy
Tax planning happens too late
Opportunities missed every year
The result: you may be paying far more in taxes over your lifetime than necessary.
Personalized Investing
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Design personalized strategy to align with financial goals, expectations, while minimizing fees and tax-drag.
May utilize or be a combination of:
Direct Indexing
ETFs (Index, Passive, Active, Buffered/Defined Outcome)
Separately Managed Accounts (SMAs)
Custom Fixed Income
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Define investment goals
Review current asset allocation
Recommend total and account level strategy
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Strategies for:
Incentive stock options (ISOs)
Non-qualified stock options (NSOs)
Restricted stock units (RSUs)
Employee stock purchase plans (ESPPs)
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Tax Planning & Preparation
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Equity Compensation
Deductions/credits
Capital gain/loss
Tax diversification
Asset location
Entity selection
Real estate strategies
Roth conversions
Planning for Medicare: taxes, premiums, and surcharges
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Individual returns
Small business owners
Real estate investors
Financial Planning
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Balance sheet
Current and Future Cash Flows
Changes in Net worth
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Medical Plan Analysis
Health Savings Account (HSA)
Flexible Spending Account (FSA)
Benefit Options Review and Selection
New Job Offer Benefits Comparison
Salary Negotiation
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Identification of risk
Needs analysis
Review of existing policies: health, life, disability, long-term care, auto, home, umbrella, business insurance
Independent insurance review and coordination with outside providers*
*Neither BeingFIT Financial, nor Kerry O’Brien, receives compensation from referrals or coordination with insurance providers.
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Basic Document Checklist
Ownership and Property Review
Beneficiary management
Trust Overview and Consideration
Estate Tax Projections
Gift Planning Strategies
Coordination with estate planning attorney or Trust & Will*
*Neither BeingFIT Financial, nor Kerry O’Brien, receives compensation from referrals or coordination with attorneys or Trust & Will.
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Early and Late-stage planning
Balance Education Savings with Retirement
Create a Flexible Funding Plan
Anticipate Expected Family Contribution and Merit Scholarship likelihood
Evaluate Student Loan Options
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Detailed organization of assets, income, and expenses
Tax analysis and impact of asset division, filing status, and child-related credits and deductions
Mapping your path to financial independence
Clarity on The Big Picture
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Meet the Founder
Kerry O’Brien
CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®)
Enrolled Agent with the IRS (EA)
Kerry founded BeingFIT to deliver what most financial advice lacks: true integration. Planning, investing, and tax strategy—aligned into one disciplined system designed to create and preserve wealth.
With two decades of experience inside major financial institutions, Kerry built deep expertise in investment strategy, tax planning, retirement design, and complex financial decisions. She later advised financial professionals nationwide, reviewing and refining thousands of plans for accuracy, efficiency, and strategic edge.
Today, Kerry works with a select group of clients who value clarity, coordination, and results. Her approach focuses on aligning every financial decision—from investments to equity compensation to real estate—into a cohesive, tax-aware strategy.
Outside of her work, Kerry prioritizes health, family, and independence. Whether training, traveling, or at the hockey rink with her daughter, she lives the same principles she brings to her clients: discipline, intention, and long-term focus.
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Firm Highlights
Fee-Only Fiduciary—always
Independently owned and operatedPlanning Philosophy
We do the heavy lifting—so you can focus on what matters most.
Comprehensive guidance across your entire financial life, not just isolated decisions.
Tax-aware at every stage—because strategy without tax is incomplete.
Investment Approach
Strategic & Intentional.
Costs matter. We minimize fees, expenses, and unnecessary tax drag.
Every investment is aligned with a purpose—your goals, your timeline, your plan.
Discipline drives results. We help you stay consistent, confident, and focused for the long term.
Professional Affiliations:
National Association of Personal Financial Advisors (NAPFA)
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In the Media
CNN Unpredictable Income? Here’s how to manage your money
Time The Fed Just Hiked Rates Again. Why This Time Is Different and What it Means for Your Wallet
Podcast High Vibes+ Grateful Heart (for Women on the Rise) Episode 23: Guest Interview with Kerry O’Brien
Boston Globe Do you have the guts to wear sneakers with a dress?