Who We Are and What We Stand For

Transparency | Inclusion | Empowerment

We believe that EVERYONE Deserves financial empowerment.

Our mission is to pursue financial equity and empowerment for women, queer folk, and people of color. It is well known that people in these groups have experienced inequitable access and marginalization in the financial arena.

It’s about time we address these disparities.

We serve clients inclusively, intentionally support diverse business owners, advocate to reduce barriers and narrow wealth gaps, educate to empower and spark change, and help clients invest and give to advance racial, gender, environmental, and economic justice.

We give people an affirming space to talk about money and the support they need to make empowered money decisions so they can reach financial freedom and live their fullest lives.

Our Values & Ethics

TRANSPARENcy

Life and money are complicated enough. We strive to make things clear and simple—from our fee-only, flat-fee pricing model, to the clear, succinct way we communicate with clients. We aim to make complex topics more understandable and to help you navigate important financial decisions with ease.

Inclusion

In a financial system built on exclusion that perpetuates privilege for select few, About Time seeks to change the status quo through radical inclusion. We welcome and affirm women, people of color, LGBTQ+ folks, and people with other marginalized identities. At About Time, you have support and you belong.

Empowerment

You work hard. You deserve to have financial freedom and security, to understand our financial system, and to make it work for you. We meet you where you are and support you. We offer a safe space for high-earning women to talk about your finances, to feel empowered and supported, and to live the life you deserve.

Our Diversity, Equity, Inclusion, and Justice Commitment

We Foster

A just and inclusive culture with a safe and affirming environment for all people.

We Welcome

Clients of all backgrounds, respect intersectional identities and use our privilege to amplify underrepresented voices and challenge inequitable systems.

We Acknowledge

That racism and patriarchy have shaped the American financial system and strive to change the status quo through intentional action.

We Seek Accountability

For our actions and embrace mistakes as opportunities for repair and growth. We recognize that doing this important work is a continuous effort that we commit to pursue.

What It's Like To Work With Me

Hi! I’m Kathryn Kubiak-Rizzone, CFP®, CSRIC.®

I’m the wife of a physician, a mom, and a small business owner. I have the enthusiasm of a fitness instructor, the supportive and clear communication of an educator, and the analytical brain of a big time money nerd.

In my former career, I actually was a fitness instructor, higher education instructor, and physical therapist. (For a hot second when we lived in East Nashville I actually faked being cool, but I’ve always been a nerd).

Behind the scenes, I love to crunch numbers. Analyzing a tax projection or student loan repayment plan is like solving a fun puzzle for me.

But what I enjoy most is helping other independent, high-earning folks like you think through what’s best for your life and family – decoding our needlessly complex financial system into something you can actually understand.

Why did I become a financial planner?

Because I learned the hard way how many financial planners and investment advisors can make people feel confused, unheard, manipulated, and even embarrassed when it comes to money.

When my wife was in med school and I was pregnant with our first child, we were financially lost.

Match day was around the corner and on top of that intense uncertainty, we knew there’d be moving and baby expenses, less money coming in, and student loan hassles to deal with. We didn’t know how to make it all work.

There were plenty of financial advisors ready and willing to take advantage of our fear and confusion. All throughout residency, we were invited to fancy dinners where they pitched us their commissioned services. They reeked of inauthenticity and I didn’t want to have anything to do with them.

In our first year out of fellowship, we again felt unsure and overwhelmed.

We felt like we were finally making real money but didn’t know where to put it – college fund, student loans or retirement? Which accounts should we prioritize? Why was so much going toward taxes? Even with our higher income, it still didn’t feel like enough to cover everything – childcare, home renovation, dog food. We felt behind on savings but also ready to finally stop living like a resident. My wife had sacrificed years in service to others – couldn’t we enjoy ourselves a bit? And would we ever start to feel afloat?

I decided to make a career pivot and become a CERTIFIED FINANCIAL PLANNER^TM because I knew these challenges affected lots of other families and wanted to help. I see successful women everyday facing burnout – giving so much energy and care to everyone else that there’s nothing left for themselves. I want so deeply to help you feel that the light at the end of the tunnel is near, to know that if you want to make a career pivot your family will still be okay.

I designed About Time Financial Planning to be the kind of honest, affirming and relatable financial firm that my wife and I would be excited to work with. Both as a young couple just out of fellowship wondering where to even start, and as mid-career high-earning professionals ready to explore our options and live fulfilled lives.

CFP®, CSRIC®

Smart & proactive

Behind that caring smile, I’m an analytical powerhouse. As a CERTIFIED FINANCIAL PLANNER™ professional, I bring a wealth of knowledge to optimize your finances. I’ll stay on top of ever-changing tax laws and more—so you don’t have to.

Clear & Efficient

I respect your intelligence and understand that this isn’t your day job. I’ll explain your financial options in jargon-free terms, encourage questions, and help you make informed, empowered decisions about your financial future. I will take as much off your plate as possible and simplify the rest so you can spend time living your fullest life.

FEE-ONLY FIDUCIARY

My financial planning services are based on a flat-rate fee, with no commissions, no product sales of any kind, and no asset-based fees or account size minimums. I adhere to a fiduciary standard at all times, so you can be assured that I will always act in your best interest.

Relatable & Affirming

I understand your priorities and have navigated many of the challenges you're facing. I focus on working with women, gender-expansive folk, and families like yours so I can share the collective wisdom gathered from all of us. I welcome you to bring your whole self. I will meet you where you are and provide financial clarity and peace of mind.

Values-aligned

I can help you explore ways for your money to reflect your values - in how you spend, save, and invest. Together we’ll build an investment portfolio you can feel proud of and ensure that your financial decisions are guided by what’s most important to you.