Karen Santini Clemens, CPA | CFP® | 30+ Years of Experience | B.S. Finance, Pennsylvania State University

Karen Santini Clemens brings more than 30 years of experience in accounting, tax, and financial services to her work at Santini Financial. She earned her B.S. in Finance from Pennsylvania State University, became a CPA, and launched her own accounting practice in 2006. As her practice and client relationships evolved, Karen expanded into financial advisory services in 2015 and later earned her CFP® designation.

Being both a CPA and CFP® allows Karen to bring together two perspectives that are often considered separately. When evaluating a financial decision, she considers not only the investment itself, but how that decision may affect your taxes, retirement income, estate considerations, and broader financial plan.

That integrated perspective is at the heart of Santini Financial - helping you see your full financial picture and understand how the decisions you make today may affect the goals you're working toward.

Karen’s passion for education led her to create Financial Empowerment for Women, a course designed to give women a comfortable place to learn, ask questions, and become more confident in their financial lives.  She presents this course twice a year through Main Line School Night.

Karen also presents educational seminars on topics related to taxes, retirement planning, Social Security, and other financial decisions that may impact you throughout your working years and into retirement. Her goal in presenting these seminars is to provide practical information that helps people better understand their finances and helps make informed decisions along the way.

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.