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Simplifying Your Saving and Investing with the Highest Standards of Integrity

We aspire to understand your complete financial situation and goals, then provide you with the education and services to pursue them.

One of the most important decisions you make is to partner with a trusted, qualified advisor.

We understand that making financial decisions can be difficult and know that educating yourself is key to achieving financial well-being. As such Simplified Financial educates you through one-on-one consultations, ongoing meetings, and timely market commentary.

If you are not finding the financial information you are looking for – just ask, we would love to hear from you! We pride ourselves on being proactive and responsive to prospective and existing client inquiries and suggestions.

Our Team

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Carmen Andrews, CFS®

Founder and Financial Advisor

Genesis Rubinos

Client Service Strategist

Eric Parnell, CFA

Chief Market Strategist

Nick Dalessandro

Senior Associate, Asset Management

Kaela Frenchman

Associate, Asset Management

Evan Coffey

Associate, Asset Management

Our Services

The Simplified Financial team takes on a fiduciary role – meaning they put their clients’ best interests above their own. Our advice is tailored to your needs and designed to align your financial resources with your personal goals. We will gain a deep understanding of what is important to you by reviewing all aspects of your financial household, not just your investment accounts. This means you’ll receive personalized and actionable advice through each phase of our relationship.
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Investment Management

Our investment strategy goes beyond security selection by considering tax efficiency, illiquid investments, asset preservation, debt analysis, and cash flow.
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Financial Planning

We see the big financial picture and take a comprehensive look at all your assets, utilizing data and cutting-edge technology to ensure you get a personalized financial strategy that helps you pursue all of your financial goals.
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Retirement Planning

Retirement is a major financial transition that involves high stakes and irrevocable decisions. A clear roadmap with defined milestones means you’ll be informed and ready when the next phase of life arrives.
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Risk Management

Safeguarding you against all the ‘what ifs’ in life means considering what happens if the worst, or best, comes your way. A well-crafted plan highlights the possible but is flexible enough to mitigate the improbable.
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Insurance

As a strategic partner, we take into account the full breadth of your financial circumstances, and this often includes disability income insurance, life insurance, and long-term care insurance.

Our Process

Introductory Meeting

This is the first part of establishing a fruitful partnership, so be prepared! Our goal is to mutually establish what each of our expectations are and establish whether an ongoing relationship is a good fit. In this phase we will identify your goals, priorities, preferences, as well as potential obstacles.

Exploration Phase

Based on our first meeting, we now take a deeper dive into your individual financial situation. During this session we begin to sketch a preliminary plan as we engage in a more comprehensive discussion about your personal and financial goals. This phase is essential to developing a customized, comprehensive plan.

Detailed Planning

In this phase we  deliver an easy to follow roadmap designed to help lead you towards your financial goals. We will specifically address the areas that are of greatest importance to you, ensuring that your customized plan is tailored to address those needs. We also spend time explaining and educating you on the plan so you feel confident.

Ongoing Aid & Advice

As your life circumstances facilitate a different approach to financial planning, wealth management, and savings options, we will be a constant presence to ensure that your plan transitions along with you. Your priorities and goals will inevitably shift through time which is why we are here to proactively update and evolve your financial plan.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.
"I love putting the financial puzzle pieces together.  I have a passion to encourage others to create a life they can afford while saving for the future."

– Carmen Andrews, CFS®

Charities

Simplified Financial proudly supports the following organizations.
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