Where does all my money go??? Am I saving enough??? What types of accounts should I save to??? What should I invest in??? How can I minimize my taxes??? What should I do with my stock options??? Is real estate investing right for me??? Can I quit my job and start a business??? How can I make the most of my side hustle??? Am I on track to pay for private school/college??? When will I achieve financial freedom??? How do I prepare financially for a divorce???...
Where does all my money go??? Am I saving enough??? What types of accounts should I save to??? What should I invest in??? How can I minimize my taxes??? What should I do with my stock options??? Is real estate investing right for me??? Can I quit my job and start a business??? How can I make the most of my side hustle??? Am I on track to pay for private school/college??? When will I achieve financial freedom??? How do I prepare financially for a divorce???...
Holistic Financial and Tax advice
to help you
Build wealth, Minimize lifetime tax,
and Live well.
Financials + Investments + Tax
We help you organize, strengthen, and monitor your
Financials
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Assessments for Money Scripts, Building wealth, Financial perspectives, Financial health, and Investor profile.
Coaching for areas identified
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Balance sheet
Current and Future Cash Flows
Changes in Net worth
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Simple or detailed categorization of transactions
Forward looking spending plans
Professional monitoring and accountability
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Credit cards
Student loans
Mortgage origination/payoff options
Home equity/line of credit
Other personal loans
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Cash reserves
Travel plans
Youth sports costs
Secondary and college education
Primary and vacation home purchase
Retirement/Financial freedom
Career transitions
Family caregiving
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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, recieves 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, recieves compensation from referrals or coordination with attorneys or Trust & Will.
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Business Entity Considerations
Start-Up Income and Expense Projections
Personal and Business Balance Sheets for Funding
Healthcare and Benefit Selection
Employer Retirement Plan Selection
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Early and Late-stage planning
Balance Education Savings with Retirement
Create a Flexible Funding Plan
Compare Net-Cost of Schools BEFORE the Application and Acceptance Process
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
*A free Financial Dashboard includes access to the Balance Sheet, Liquidity analysis, and Budgeting tool. Additional planning areas, analysis, and personalized advice are available for clients only.
Manage and optimize your
Investments
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Define investment goals
Review current allocation
Create total and account level strategy
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Taxable
Tax-deferred
Tax free
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Incentive stock options (ISOs)
Non-qualified stock options (NSOs)
Restricted stock units (RSUs)
Employee stock purchase plans (ESPPs)
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Review key considerations for investing in real estate
Analyze cash flow and long-term wealth impact for existing or new properties
Evaluate tax saving strategies such as 1031 exchanges and cost segregation
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Execution of investment strategy
Evaluation and selection of portfolios
Account opening and funding assistance
Performance monitoring
Periodic portfolio reviews
Investment fee analysis
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Plan, minimize, and prepare for
Tax
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1-2 years prior return review
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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
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Meet the Founder
CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®)
Enrolled Agent with the IRS (EA)
Kerry started BeingFIT because she felt financial services for everyday families were lacking at best, filled with conflict of interest at worst, and more importantly missing the big picture. She knew she could do better and decided to create a modern financial services firm for people like you.
Prior to BeingFIT, Kerry spent over 15 years working for large financial firms, specializing in retirement, investments, cash flow, insurance, business, estate, employee benefits, and tax. She served as a Financial Planning Consultant to financial advisors, where she created and reviewed thousands of financial plans for optimal strategies and integrity. Kerry also provided financial education and consulting to financial advisors located at various institutions across the country. Now Kerry focuses her energy on providing her clients with holistic financial planning and tax advice, and educating the public in areas such as strategies for tax allocation and investment strategy, equity compensation planning, and real estate investing. Kerry is also a fitness advocate and loves meeting new people and learning about their money stories and fitness journeys.
Outside of her professional work, you may find Kerry enjoying life with her 14 year old daughter, camping or cruising in their Jeep, traveling to fun locations, at the hockey rink watching her daughter play, lifting weights, or practicing yoga. Kerry’s 5 top values in life are family, health, independence, honesty, and meaningful work.
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Firm Highlights
Fee-Only Fiduciary (100% of the time)
Independently Owned and Operated
Financial Planning Philosophy
+Our goal is to do the heavy lifting and help you achieve Financial Fitness and Freedom with more time to focus on doing what you love.
+Guidance on ALL aspects of your Financial Life, not just the specific areas we service.
+Tax-awareness at every age, stage, and income level.
Investment Management Philosophy
+Simple, Yet Strategic. We don’t believe in making things more sophisticated, or complicated than necessary.
+Minimize Costs. We seek to keep your costs as low as possible, including management fees, internal portfolio expenses, and taxes.
+Goal Based. We assign and align your investments to your financial goals and timeframe.
+Wealth Building Behaviors and Habits. We help you stick to your savings plan, feel confident in your investing strategy, and be patient and calm along the way.
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?