Kelly Adams

CFP®, EA
Personal Finance, Retirement, Lifestage Based Planning
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“As the founded Harbor Light Planning in 2003 after deciding to take control of her own schedule and future, Kelly L Adams works to make sure her clients have the futures they desire and that they realize their dreams and goals.”
Firm:

Harbor Light Planning

Job Title:

Owner, Senior Advisor

Biography:

After acquiring eight years of experience in tax compliance and planning, Kelly Adams changed her focus to comprehensive financial planning after consistently seeing a need for this type of service among the clients she serviced.

Kelly began practicing life-centered financial planning after completing the Success training program in 1998 offered through the Alliance of Comprehensive Planners. She spent over five years working with nationally recognized advisor, Bert Whitehead, JD, MBA, founder of Cambridge Advisors (now known as Alliance of Comprehensive Planners) and President of Cambridge Connection, Inc., as an advisor and eventually partner.

Kelly holds a Bachelor of Arts from Michigan State University’s College of Business. She has earned the professional designation of CERTIFIED FINANCIAL PLANNER™ practitioner from the Certified Financial Planner Board of Standards. Kelly has also earned the designation of Enrolled Agent from the Internal Revenue Service.

Kelly is an active member and educator for the Alliance of Comprehensive Planners. She is a member of the National Association of Personal Financial Planners (NAPFA), Financial Planning Association (FPA), and the National Association of Tax Practitioners (NATP).

Harbor Light Planning, LLC was founded in December of 2003 upon principles that place the utmost value on our clients’ financial goals and objectives.

Education:

BA, Business, Michigan State University

Fee Structure:

Fixed

CRD Number:

129022

All Answers
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Most Helpful
    Life Insurance, Lifestage Based Planning, Starting Out
What type of life insurance policy should a 20 year-old be looking for?
60% of people found this answer helpful

A permanent life policy should not be used as a savings account for future planned purposes. If your goal is to have future savings and life insurance, consider a 30 year term policy. Often employer insurance is more expensive than purchasing a policy on your own. Plus, if you have your own policy, it doesn't go away if you switch employers. Term insurance costs are typically inexpensive and have fixed premiums. You can think ahead and might want to consider around 5-10x your salary. Then save the rest in a brokerage or savings account where your assets are liquid and easily obtained for when you are ready to use them for a house, wedding, etc. 

August 2017
    Estate Planning, Annuities, IRAs
Should I be listing my brokerage firm as a primary beneficiary?
July 2017
    Debt, Investing, Retirement Plans
Should I use additional income to pay off debt or invest it for retirement?
June 2017