Kristin specializes in working with law enforcement, first responders, and municipal and government employees (local/state/federal).  She is well-informed on the NY State Pension plan and NYS Deferred Compensation plan. 

She can answer questions and help navigate through these common areas:

  • Deferred compensation Plan Investments
  • Self Directed Brokerage Option with balances over $20,000
  • Pension Plan Options
  • Identifying your risk
  • Retirement Income Planning
  • Consolidating Retirement Accounts
  • 529 College Planning
  • Insurance/Protection Planning 
  • Estate Planning


Law enforcement represents about a third of my practice. I think what attracted me most to working with law enforcement is their ability to learn and become humble to the financial planning process.  I have had the privilege to teach financial planning at the Niagara County Law Enforcement Academy, at Niagara Community College.  With the vast amount of risk, they take on during their career it has been an exciting challenge to educate them on market risk and aligning their personal risk to their life goals. I have a background of family members in law enforcement including an uncle, a retired chief, that has been a huge inspiration to me.

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