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
Our Diversity, Equity, Inclusion, and Justice Commitment
We Seek Accountability
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 PLANNERTM 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.