Kimberly J. ***** , CFP®, founder and owner of ***** ***** Services in Needham MA, has been in the ***** services market for over 20 years. After consulting for Fidelity, Putnam, Bank of America, The Boston Company and John Hancock, she has acquired knowledge in mutual funds, private banking, retail banking and retirement planning. Additionally she has been preparing federal and state tax returns for individuals and small business owners. Kimberly combines these experiences into providing comprehensive ***** planning and investment advice. Kimberly is currently an adjunct faculty member at Boston University and The College for ***** Planning where she teaches General ***** Planning Principles, Income Tax, Retirement Planning and Estate Planning in the ***** Planning Certificate Program, a CFP Board-Registered Program that meets part of the educational requirement for CFP® certification. She is active in educating not only future ***** planners, but clients with tax advice, retirement planning, company benefits and investment selection. She has ongoing seminars in these areas.