Fee-Only Financial Planning for Women Physicians, Small Business Owners, & Progressive Families

Make empowered money decisions so you and yours can thrive

asian woman business owner with hands crossed over her heart
black female doctor, arms crossed, stethoscope around neck, smiling
mother on the beach embracing her child

You Work Hard Caring for Others—It's About Time You Had Someone to Help You!

You’re smart and capable. And you’re juggling a million balls at once. You don’t have time to deal with financial stuff – big or small. Sure, it’s important, but so are all the other things on your plate. 

You don’t have to do it alone. You deserve support – a thought partner to help you make financial decisions, a money expert to help you optimize, and a proactive guide who can stay on top of your financial picture so you have one less thing to worry about.

It’s about time you had a financial ally. Because your time is too precious - spend it doing what you love, not stressing over money.

Who We Are

Your fiduciary financial planner

Meet Kathryn Kubiak-Rizzone, CFP®, CSRIC® (she/her).

I’m not your traditional financial planner.

No mahogany desks, slick sales pitches, or belittling financial jargon. I’m here to listen, judgment-free, to help you reach your financial goals. I understand that money is personal and you deserve a safe space to talk about it.

I built About Time Financial Planning specifically to serve busy career women and families—especially physicians, entrepreneurs, and LGBTQ+ couples.

We’re different in three important ways:

Flat Fee, Fee-Only
Transparent pricing with no commissions, no asset minimums. Fiduciary – acting in your best interest at all times.

Virtual & Built for You
Meet from the convenience of your home or office. Everything we do is designed to make things simple for you.

Values-Aligned & Impact-Driven
I can help you explore socially conscious financial decisions that reflect your values and goals.

What We Do

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I'm a fiduciary, flat fee,
fee-only financial planner.

What does that mean? It means that my pricing is simple and transparent. The only compensation I receive is what you pay me directly for comprehensive financial guidance.

Ongoing
Financial Planning

$ 700-3,200* Quarterly Flat Fee
  • Comprehensive Financial Planning with 1-on-1 Mentorship + Optional Investment Management
  • $1,000-2,000 Up-Front Fee +
    Quarterly Fees Based On Complexity

One-time
Financial Planning

$ 400-6,400 Project-based Fee
  • $3,200-6,400 Financial Snapshot
    + Custom One-Time, Self-Implemented Financial Plan
  • $400-2,400 Focused-Question
    Virtual Financial Planning Consultation

Ongoing
Financial Planning

$ 700-3,200* Quarterly Flat Fee
  • Comprehensive Financial Planning with 1-on-1 Mentorship + Optional Investment Management
  • $1,000-2,000 Up-Front Fee +
    Quarterly Fees Based On Complexity

One-time
Financial Planning

$ 400-6,400 Project-based Fee
  • $3,200-6,400 Financial Snapshot
    + Custom One-Time, Self-Implemented Financial Plan
  • $400-2,400 Focused-Question
    Virtual Financial Planning Consultation

*For folks with net wealth over $5M, higher fees apply.

A single medical resident might pay ~$1,000 up front + $700/quarter 

• A couple or single business owner making ~$250k might pay $2,000 up front + $1,400/quarter

• A mid-career couple making ~$500k might pay $2,000 up front + $2,000/quarter

• A business-owner couple making ~$800k might pay $2,000 up front + $3,200/quarter

Who We Serve

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