Carmen Grinkis, PhD, CLTC, CLU®, CFP®

Wealth Advisor & Co-Managing Partner


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.


“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.”
Carmen Grinkis

Contributed Insights

Managing Generational Change in Family Business

Managing Generational Change in Family Business

Running a business in today’s global economy is challenging due to rapidly evolving technology, changing consumer preferences, and economic uncertainties—which all require constant adaptation and innovation to remain competitive. When the company is closely held or family-owned, however, the complexities may increase tenfold. There are additional emotional and psychological elements to contend with, legacy concerns, […]

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AAF Wealth Management Q3 Market Insight

AAF Wealth Management Q3 Market Insight

The intricacies of market performance are deeply intertwined with various external factors, including inflation, interest rates, political shifts, geopolitical affairs, and natural disasters. This includes, sadly, the current humanitarian crisis in the Middle East. It is heart-breaking to see these events unfold in a region whose people have known such profound suffering for far too […]

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From the Desk of Carmen Grinkis

From the Desk of Carmen Grinkis

Clients often come to us because of some kind of transition or challenge. They may be heading into retirement, navigating a divorce, or coping with the loss of a loved one. In all these cases, there is so much more to consider than how investments are performing. Especially as we age, we find ourselves building […]

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