Tax-Integrated Financial Planning & Investment Advisory
Helping high earners and retirees make smarter decisions about their investments, taxes, and long-term financial plans.
Every event we host is designed with intention, from the atmosphere we create to the way each session flows.
Most Financial Plans Ignore Taxes.
Investment decisions made without tax strategy
Tax planning happens too late
Opportunities missed every year
The result: you may be paying far more in taxes over your lifetime than necessary.
Personalized Investing
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Design personalized strategy to align with financial goals, expectations, while minimizing fees and tax-drag.
May utilize or be a combination of:
Direct Indexing
ETFs (Index, Passive, Active, Buffered/Defined Outcome)
Separately Managed Accounts (SMAs)
Custom Fixed Income
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Define investment goals
Review current asset allocation
Recommend total and account level strategy
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Strategies for:
Incentive stock options (ISOs)
Non-qualified stock options (NSOs)
Restricted stock units (RSUs)
Employee stock purchase plans (ESPPs)
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Tax Planning & Preparation
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Equity Compensation
Deductions/credits
Capital gain/loss
Tax diversification
Asset location
Entity selection
Real estate strategies
Roth conversions
Planning for Medicare: taxes, premiums, and surcharges
Financial and Tax Planning for U.S. Expats moving to or living in Greece
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Individual returns
Small business owners
Real estate investors
US Expats in Greece
Financial Planning
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Define financial goals and priorities
Create a plan to fund major life events
Balance short-term needs with long-term goals
Evaluate savings and investment strategies
Track progress and adjusting as life changes
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Coordinate Social Security, pensions, and investment income
Develop tax-efficient withdrawal strategies
Plan for Roth conversions and RMDs
Manage taxes and Medicare premiums
Prepare for market volatility and inflation
Balance current spending with long-term security
Integrate tax, investment, and estate planning
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Plan for U.S. taxes before and after moving to Greece
Manage U.S. investments and retirement accounts abroad
Understand tax implications of becoming a Greek resident
Coordinate income, investments, and withdrawals across borders
Prepare for the financial considerations of living abroad
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Identification of risk
Needs analysis for Life, Disability, and LTC Insurance
Review of existing policies: health, life, disability, long-term care, auto, home, umbrella, business insurance
Independent insurance review and coordination with outside providers*
Employee Benefit selection, including Medical Plan Analysis
Health Savings Account (HSA)
Flexible Spending Account (FSA)
Life & Disability
Other Benefit Options
*Neither BeingFIT Financial, nor Kerry O’Brien, receives compensation from referrals or coordination with insurance providers.
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Early and Late-stage planning
Balance Education Savings with Retirement
Create a Flexible Funding Plan
Anticipate Expected Family Contribution and Merit Scholarship likelihood
Evaluate Student Loan Options
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Basic Document Checklist
Ownership and Property Review
Beneficiary management
Trust Overview and Consideration
Estate Tax Projections
Gift Planning Strategies
Coordination with estate planning attorney or Trust & Will*
*Neither BeingFIT Financial, nor Kerry O’Brien, receives compensation from referrals or coordination with attorneys or Trust & Will.
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Balance sheet
Current and Future Cash Flows
Changes in Net worth
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Detailed organization of assets, income, and expenses
Tax analysis and impact of asset division, filing status, and child-related credits and deductions
Mapping your path to financial independence
Clarity on The Big Picture
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Meet the Founder
Kerry O’Brien
CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®)
Enrolled Agent with the IRS (EA)
Kerry O’Brien, CFP® and EA, founded BeingFIT Financial to bring investment management, financial planning, and tax strategy together.
With decades of experience at major financial institutions, Kerry developed expertise in investment strategy, retirement planning, and complex financial decisions. She later advised financial professionals nationwide, reviewing and refining thousands of financial plans.
Today, she works with a select group of individuals and families looking to build and preserve wealth through thoughtful, tax-aware planning. Her clients include professionals with equity compensation, single women, and retirees. She also works with Americans planning to move to Greece who need help navigating the U.S. tax and financial implications of living abroad.
Outside of work, Kerry prioritizes health, family, and independence. She enjoys staying active, traveling to Greece, and spending time with her daughter at the hockey rink.
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Firm Highlights
Fee-Only Fiduciary—always
Independently owned and operatedPlanning Philosophy
We do the heavy lifting—so you can focus on what matters most.
Comprehensive guidance across your entire financial life, not just isolated decisions.
Tax-aware at every stage—because strategy without tax is incomplete.
Investment Approach
Strategic & Intentional.
Costs matter. We minimize fees, expenses, and unnecessary tax drag.
Every investment is aligned with a purpose—your goals, your timeline, your plan.
Discipline drives results. We help you stay consistent, confident, and focused for the long term.
Professional Affiliations:
National Association of Personal Financial Advisors (NAPFA)
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In the Media
CNN Unpredictable Income? Here’s how to manage your money
Time The Fed Just Hiked Rates Again. Why This Time Is Different and What it Means for Your Wallet
Podcast High Vibes+ Grateful Heart (for Women on the Rise) Episode 23: Guest Interview with Kerry O’Brien
Boston Globe Do you have the guts to wear sneakers with a dress?