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
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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Carmen Grinkis, Leading Lady 2024
Carmen Grinkis, Ph.D, CLTC, CLU®, CFP® was recently featured in Providence Monthly, Hey Rhody, and The Bay Magazine’s Leading Ladies 2024 spotlight, which included several inspiring, passionate, determined leaders who are making a difference in their Rhode Island communities. Carmen is a Wealth Advisor and Co-Managing Partner of AAF Wealth Management, a division of AAFCPAs.
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From The Desk of Carmen Grinkis
As you may know, I’m passionate about music. I remember in the late 1960s when my parents gave me a transistor radio to help me go to sleep at night. I would wait for a certain Carpenter’s song to play as it always did around the same time. Once I heard the lines, “On the […]
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