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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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  • Interview with Kimberly J. Howard, CFP
  • Financial Goals by Kimberly J. Howard, CFP
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January 2017
May 2018
May 2018

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    Social Security, Investing, Annuities, Real Estate
Because of my low income, would I not be subject to capital gains taxes if I sell my home?
100% of people found this answer helpful


   There is no age exemption. There is a $250,000 exemption for singles and $500,000 exemption for couples. You will owe taxes on the $2,000,000 minus any cost to sell your home (commissions, repairs, closting cost) minus your previous improvements minus the $250,000/$500,000 exemption. You taxes will be a bit based on the information you provided.

Kimberly J. Howard, CFP 

September 2018
    IRAs, Taxes
If I missed the deadline for my 2017 required minimum distribution (RMD) but did withdraw in January 2018, do I include the RMD as income in my 2017 or 2018 tax filing?
100% of people found this answer helpful
April 2018
    Personal Finance
How Long Should I Keep My Tax Records?
75% of people found this answer helpful
December 2016
    Personal Finance
When would I have to fill out a Schedule D IRS form?
60% of people found this answer helpful
November 2016
    Personal Finance
What is the highest achievable FICO score?
46% of people found this answer helpful
October 2016