Kimberly J Howard

Personal Finance, Retirement, Taxes
“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.”

KJH Financial Services

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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.


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

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    Personal Finance
How Long Should I Keep My Tax Records?
79% of people found this answer helpful


Keep your tax records for a minimum of 3 years. After that, it depends on your situation as to the length of time.  If you wrote off a bad debt, better keep them for 7 years. If you have a small business, 7 years may serve you best. Be sure to keep not only a copy of the return, but all the supporting documents.

Kimberly J Howard, CFP

December 2016
    401(k), IRAs
If I am contributing to a 401k at work, how much can I contribute to a traditional IRA?
53% of people found this answer helpful
February 2016
    Personal Finance
What should I do with an unused credit card?
50% of people found this answer helpful
December 2016
    Annuities, IRAs, Taxes
What tax rate will my mother have to pay on a cashed out IRA?
50% of people found this answer helpful
January 2017
    Social Security, Taxes
Will I pay taxes on my Social Security if it is my only source of income?
50% of people found this answer helpful
December 2016