You are unique and your financial plan should also be unique.
Who We Are
Karen Santini Clemens, CPA, CFP®
Through over 30 years of experience as a CPA, it has become clear to me how beneficial it is for clients to take an active role in planning for their futures. My practice includes a full range of financial advisory services including tax planning, goals based planning and asset management. I work with individuals, small businesses, and trusts. As both a Certified Public Accountant and CERTIFIED FINANCIAL PLANNER ™, I fully understand the importance of both financial planning and tax planning. I have a unique perspective that ensures every angle has been considered.
Working alongside my clients allows me to advise them on all aspects of planning for the future. Together we are able to take a proactive approach to financial planning including potential tax savings and minimizing tax exposure.
Through fostering a true client partnership and working together as a team, I am able to help guide clients through life’s milestones. Whether it be navigating through a major life event, planning a comfortable retirement, or educating the next generation on the importance of planning for the future, my services will be there every step of the way.
I grew up in Wayne, PA and attended Pennsylvania State University where I graduated with a Bachelor of Science in Finance. I have been residing in West Chester since 1999 where I raised my two children, Nick and Sara. In my free time I enjoy exercising, the beach, reading, gardening, and traveling.
About Us
Santini Financial is an independent financial advisory firm. Our goal is to build long term relationships. We will guide you through all of life's transitions, from recent college grads through the later stages of retirement. We want to take the stress of finances away, so that you can enjoy those things in life that are important to you. It starts with a conversation. Where are you now, what are your goals? Our clients aren’t just a number, we have walked in your shoes and can relate to your experiences such as marriage, children, divorce, and retirement planning. This gives us the opportunity to merge our financial expertise with our personal experiences to provide the best services possible for you.
Our Mission
Understanding what’s happening with your money shouldn’t be intimidating. At Santini Financial we recognize that you are unique and your financial plan should also be unique. Our goal is to learn about what makes you tick and what we can do to ease the burden of financial and tax planning so that you can get on with what is important to you.
We are in the unique position to not only look at your financial advisory plan but also look at the tax impacts of your investments.
Whatever your goals, we can help you feel confident that you’re taking the rights steps towards achieving them.
“Karen came highly recommended to my husband and me through a friend who owns his own company and has worked with Karen for years. Karen has been very knowledgeable and helpful to my husband in me. We have worked with other CPAs, and Karen is by far the most helpful, knowledgeable and professional CPA. Also, We will continue to work with her and are looking into doing our long term care through her as well.”
- Lisa, ★ ★ ★ ★ ★
The testimonial may not be representative of the experience of other customers and is no guarantee of future performance or success.