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Carmen Grinkis, PhD, CLTC, CLU®, CFP®

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.

She is a licensed investment adviser and a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional.  In addition, Carmen has a PhD in Clinical Psychology and fifteen years’ experience as a practicing psychologist.  This perspective benefits clients because so much of financial planning is life planning.  Additionally, Carmen is an experienced entrepreneur and her strong combination of formal education, diverse work experience, and commitment to continuous learning results in innovative, financial insights.

Prior to joining AAF Wealth Management and reflected within her own wealth management practice, Carmen developed educational and independent resource platforms for other advisors of regional and national firms.

As the Founder of Income Protection Partners, Carmen consulted 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.

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 also holds a life and health insurance license in RI, MA, NY, CT, and FL and an advanced certification in long-term care planning.

Carmen received her Bachelor Degree from Clark University in Psychology and Philosophy, and a Master’s Degree and PhD in Clinical Psychology from Duquesne University.  She is a member of the Financial Planning Association, the Newport Rhode Island Chamber of Commerce, and the Executive Women’s Golf Association.  Carmen volunteers her time and expertise serving on the Board of Directors of the Tiverton Land Trust, and is an active supporter of South Coast Artists, Inc.  She has a passion for music, vintage turn-tables, travel, golf, outdoor adventure, and tax strategies. She lives in Tiverton, RI with her wife, who is a fine artist.


"AAF Wealth Management has a unique offering… honesty, personalization, tax expertise, transparency, and a genuine commitment to excellence."
Carmen Grinkis, PhD, CLTC, CLU®, CFP®