Carmen Grinkis, PhD, CLTC, CLU®, CFP®
Co-Managing Partner & Wealth Advisor
Carmen is a Wealth Advisor and Co-Managing Partner of AAF Wealth Management, specializing in comprehensive financial planning solutions for individuals, families, business owners, nonprofits & foundations.
Carmen is a licensed investment adviser and a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional. She also has a PhD in Clinical Psychology and 15 years’ experience as a practicing psychologist. This perspective benefits clients because much of financial planning is about life planning.
Carmen believes that personal financial planning is a process, that seeks to creatively harness and align the power of one’s monetary resources to transform person and community life experiences.
She strives to know her clients’ rhythm, affect, and experience, and she utilizes this attunement to offer responses and recommendations, that lead to a transformative financial planning experience.
During her transition from clinical psychology to financial planning, Carmen joined her father, John Grinkis, in his Worcester County, 30-year independent retirement planning practice. She is also an experienced entrepreneur as the Founder of Income Protection Partners. Carmen consults to provide insight and analysis of insurance portfolios (life, long-term care or disability insurance) to assist in proper alignment of insurance offerings with individual, family or business owner goals. She holds life and health insurance licenses in RI, MA, NY, CT, and FL., a Certification in Long-Term Care (CLTC®), as well as a Chartered Life Underwriter® (CLU®) advanced life insurance underwriting designation.
Carmen received her bachelor’s degree from Clark University in Psychology and Philosophy, and a master’s degree and PhD in Clinical Psychology from Duquesne University.
Carmen lives in Tiverton, RI with her wife, who is a fine artist. They are active members of their community and supporters of South Coast Artists, Inc. and the Tiverton Land Trust. Carmen is also a member of the Tiverton Yacht Club, the University Club of Providence, and the LPGA Amateur Golf Association. She is also a member of the Financial Planning Association. When not seeking attunement with her clients, Carmen is pursuing her passion for music, vintage turntables, golf, squash, travel, and outdoor adventure.
Publications
Meet Carmen
“I approach each individual client with the goal of achieving attunement, which is how I am able to recognize, understand, and make recommendations based on their unique needs. This is the magic I love so much about personal financial planning.”
Contributed Insights
AAF Wealth Management Q2 2024 Market Insights
Note: These market insights were written prior to the weekend’s events. We express our sincere condolences to victims of last weekend’s assassination attempt on Donald Trump in Pennsylvania. It is another unfortunate example of the uncertainties we face on a global scale. We reaffirm our commitment to our core values of compassion, community care, and […]
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From The Desk of Carmen Grinkis
I recently returned from the Northern California Financial Planning Conference held in San Francisco. I participate in continuing education opportunities on a routine basis, and this trip was a special treat—known as one of the best in the country and attended by more than 1,000 planners across the U.S. This year’s conference focused heavily on […]
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Q1 2024 Performance Report and Market Insights
In an ongoing commitment to keep you abreast on a range of issues that might affect your business, AAFCPAs is pleased to share Q1 2024 Market Insights published by AAF Wealth Management, a wholly owned subsidiary of AAFCPAs. These insights reflect on some of the financial developments in the first quarter of 2024 that influenced […]
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