You are unique and your financial plan should also be unique.
Who We Are
Karen Santini Clemens, CPA, CFP®
Helping clients understand financial decisions so they can move forward with confidence.
Karen Santini Clemens, CPA, CFP®, is the founder of Santini Financial, where she provides integrated financial planning, tax planning, and investment management for individuals and families. With more than 30 years of experience as a Certified Public Accountant, Karen recognized that financial decisions are rarely isolated — taxes, investments, retirement, and life events are all connected. Her practice was built around helping clients understand how those pieces work together so they can make confident, informed decisions about their future.
As both a CPA and a CERTIFIED FINANCIAL PLANNER™, Karen brings a comprehensive perspective to planning. Rather than focusing on a single transaction or product, she works alongside clients throughout the year to anticipate changes, identify opportunities, and proactively address potential tax exposure. Her goal is not simply to manage assets, but to help clients navigate the financial implications of real life.
Karen works with individuals, retirees, business owners, and families who value a long-term professional relationship and want guidance they can rely on. She frequently assists clients through major life transitions, including retirement, loss of a spouse, career changes, and generational wealth planning. Her collaborative approach helps clients feel organized, prepared, and confident in their decisions.
Karen is also a contributing author in Financial Trendsetters 3, a collaborative book highlighting women in finance who are reshaping how financial advice is delivered. Her chapter focuses on helping individuals — particularly women — build clarity and confidence around money and view financial planning as part of the broader context of their lives.
Through an ongoing partnership with her clients, Karen helps them plan proactively, reduce uncertainty, and stay focused on their long-term goals while adapting to life’s inevitable changes.
About Us
Santini Financial is an independent financial services 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.