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Kathleen Nemetz, MBA, Certifed Financial Planner ™ Practitioner™

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Kathleen Nemetz, MBA, Certifed Financial Planner ™ Practitioner™

Planning for life's milestones for couples and families

LPL Financial LLC

San Rafael


Contact Me



Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Other Financial Planning
  • Insurance
    • -Life Insurance
    • -Annuities
  • Pension Consulting
    • -401k
    • -403b
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Other Portfolio Management


Firm Client types



No timeline events available.
Employer Years Dates
LPL Financial LLC 5 months, 1 week Nov 2019 - Present
Stratos Wealth Partners, Ltd 5 months, 1 week Nov 2019 - Present
Mcclurg Capital Corporation 6 years, 3 months Aug 2013 - Nov 2019
Ameriprise Financial Services, Inc. 3 years, 10 months Oct 2009 - Aug 2013

Designations & Memberships

  • Financial Planning Association
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Certified Divorce Financial Analyst
    Certified Divorce Financial Analyst
    Individuals holding this designation act as an advisor to one party's divorce lawyer, or as a mediator for both parties. Knowledge of tax law, asset distribution, and short and long-term financial planning are utilized to achieve an equitable settlement.
  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Kathleen Nemetz

Giving that Gives Back
Published 2015-12-29 07:28:13
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    I want to get my 401k but i dont know how much i have or how to get it?
    If you are employed at a company sponsoring the plan, talk to your human resources department about who to call. Company sponsors usually use a third party administration firm to handle employee investments. The third party may provide an online access portal. The invested assets are actually in c...  (more)
    Answered Mar 2015
    How do i find out how much retirement i have even if i no longer work at m-tek?how do i go by getting it .
    Hi, if you really want to know how much you have accumulated in retirement benefits, total, not just from the last employer, you will need to check with the plan sponsors of all previous employers to see if you still have 401K balances remaining behind there as well. A plan sponsor is usually the a...  (more)
    Answered May 2015
    Between stock options and owning stock out right, if I need fast cash, which of these two would be better to hold onto.
    Hi, I would additionally ask whether the stock options pertain to a stock that is lightly traded and therefore subject to volatility or the risk of illiquidity. Or are the options for a high quality blue chip stock?...  (more)
    Answered Oct 2015
    Should I close my fidelity professional managed account and continue to monitor and rebalance annually myself?
    Vie, if you are at Fidelity, you are probably all in funds rather than actual stocks or actual bonds. Funds are derivative investments and as such can swing more than the actual market. This was a particular concern recently in August with the pauses in trading for ETFs. The energy sector is repre...  (more)
    Answered Oct 2015
    Receiving mothers 401k/profit sharing plan?
    You may need to see an employment attorney to determine under the US. Department of Labor's ERISA law what happened to the balance due you. Alternatively, you could possibly see an estate planning attorney, if there was one involved when your mother died. Expect to pay at least $250 to $500 for th...  (more)
    Answered Oct 2015
    Is there an organization that can track missing retirement funds?
    You use the word pension but did you indeed have a pension, or a 401K account? If you had a 401K account you would get access instructions through your human resources department. Your HR department may point you to a third party administrator, that is, another company contracted to manage the 401K...  (more)
    Answered Oct 2015
    Am I saving enough for retirement?
    Anyone answering your question would need to know more about your age, your geography, and current level of savings to support either just you, or you and a spouse. As a certified financial planner I would also want to know what your yearly income might be, how long you expect to be able to earn at ...  (more)
    Answered Apr 2015
    I have 100% of my retirement money in a target date fund. Do you consider that diversified enough or not?
    The closer you are to retirement, the more you will want guarantees. You get no guarantees from a target date fund. You could consider asking your employer after age 55 for an in service rollover distribution into an annuity with a guaranteed income rider. These are contingent on the ability of the...  (more)
    Answered Apr 2015
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Feb 12, 2020
      • license status
      • disclosures
      • as of date
        Dec 18, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on Feb. 13, 2020
        • $20.5M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 120
          number of clients
        • $170.8K
          Estimated Average Account Balance Per Client

      LPL Financial LLC

      Last updated on March 30, 2020
        • $207.8B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 892K
        • $232.9K
          Estimated Average Account Balance


      Types of Compensation Arrangements