Karen is a CERTIFIED FINANCIAL PLANNER™ professional, an Enrolled Agent (tax specialist) and a Certified Divorce Financial Analyst in Columbia, MD. Karen is also an occasional adjunct professor at Howard Community College, where she teaches the fundamentals of financial planning classes as well as fundamentals of investments.

Karen has earned the Enrolled Agent license, the highest credential the IRS awards, and can represent clients before the IRS. She is the owner of a small tax firm, JK Associates, LLC, in Columbia. Financial planning is a second career for Karen, who spent 30 years as a newspaper editor. When her husband started talking about retiring early, she wanted to be able to make informed decisions about how and when to retire. That led her to the College for Financial Planning and eventually her certification. She thinks individuals should follow the same principles she and her husband have followed all of their married life – live within your means, drive your car for at least 10 years, and plan for life.