Kimberly Howard

CFP®, CRPC®, ADPA
Personal Finance, Retirement, Taxes
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Articles
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“Kimberly encourages questions and establishes an atmosphere where learning is a priority. She makes her client feel at ease about asking questions, allowing a two-way street when she creates their financial plan.”
Firm:

KJH Financial Services

Job Title:

Owner/Advisor

Biography:

Kimberly J. Howard, CFP®, CRPC®, ADPA®, is the founder and owner of KJH Financial Services in Newton MA and Denver CO.  She is a Certified Financial Planner™ practitioner and has over twenty years of experience in financial management and education goals through effective comprehensive financial planning. 

Kimberly holds a Master of Science degree in Computer Science Information Management from Boston University. She earned a Bachelor of Science degree in Mathematics and Physical Education from Stephen F. Austin University in Texas. She attended Boston University for her Certification in Financial Planning and H&R Block for Tax Preparation Certification.

Kimberly is where she teaches General Financial Planning Principles, Income Tax, Retirement Planning and Estate Planning. She is a past adjunct faculty member at Boston University and The College for Financial Planning.

Kimberly is a member of the Financial Planning Association (FPA) and The National Association of Personal Financial Advisors (NAPFA). She was named to the Metropolitan Who's Who Among Executive and Professional Women.  She is an expert Advisor for Morningstar .

Kimberly promotes a life planning approach with a balanced work/life style. She is active in sports including cycling, golf, skiing, and hiking.

Education:

BS, Mathematics, Stephen F. Austin
MS, Computer Science, Boston University

Fee Structure:

Fee-Only

CRD Number:

5246162

Videos
  • Interview with Kimberly J. Howard, CFP
  • Financial Goals by Kimberly J. Howard, CFP
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January 2017
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All Answers
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    401(k), IRAs, Taxes
Where should someone in a low tax bracket move his 401(k) from a former employer?

Hello - 

    Great thtat you are interested in continuing to contribute to your retirement.

    Your old company 401k should be rolled over into a rollover IRA. This type of rollover will not cause a tax event. If you roll it over to a ROTH IRA, then you will owe taxes. You might be able to contribute to the rollover IRA going forward, but most likely you will be able to contribute to the ROTH IRA. Vanguard is a good place to start. The expense are low and if you use elect online statements then you will not have any account fees.

Kimberly J Howard CFP      

2 weeks ago
    IRAs, Taxes
Why did a mandated IRA withdrawal take away my 2015 tax refund?
2 weeks ago
    Marriage / Divorce, Estate Planning, Tangible Assets
How can I protect my estate from becoming considered marital property of my beneficiary?
2 weeks ago
    Retirement, Taxes
How are 457 plans taxed?
2 weeks ago
    Financial Planning
Can my wife be granted access to my HSA funds?
April 2017