# Kathryn Kubiak-Rizzone

> Kathryn Kubiak-Rizzone is a fee-only financial advisor at About Time Financial Planning in Rochester, New York, who holds the CFP credential. Kathryn charges a flat fee or retainer, an ongoing planning fee and a one-time planning fee (one-time plans from $400 and no asset minimum) and focuses on physicians & residents, small business owners and flat-fee planning.

Page: https://find.wellspent.co/advisors/kathryn-kubiak-rizzone/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** About Time Financial Planning
- **Based in:** Rochester, New York
- **Fee model:** Flat fee or retainer; Ongoing planning fee; One-time planning fee
- **Fees (firm's website):** one-time plans from $400; no asset minimum
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $20.4M across 178 accounts
- **Credentials:** CFP
- **Specialties:** Physicians & residents, Small business owners, Flat-fee planning, Student loans, Tax planning, Sustainable & impact investing
- **Works with:** Physicians, Founders, High earners
- **CRD:** 7358547 (https://adviserinfo.sec.gov/individual/summary/7358547)
- **SEC registration:** Investment adviser representative in CA, DC, MD, NY, TX
- **Exams passed:** Series 65 (2021)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://abouttimefinancial.com

## Frequently asked questions

### Is Kathryn Kubiak-Rizzone a fee-only financial advisor?

Yes. Kathryn Kubiak-Rizzone is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Kathryn's firm.

### How does Kathryn charge for financial advice?

Kathryn charges a flat fee or retainer, an ongoing planning fee and a one-time planning fee.

### How much does Kathryn charge?

According to About Time Financial Planning's website, checked October 28, 2026: one-time plans from $400; no asset minimum.

### Does Kathryn work with clients virtually?

Yes. About Time Financial Planning says on its website that it works with clients remotely.

### Where is Kathryn Kubiak-Rizzone based?

Kathryn Kubiak-Rizzone is based in Rochester, New York.

### What does Kathryn specialize in?

Kathryn's specialties include physicians & residents, small business owners, flat-fee planning, student loans, tax planning and sustainable & impact investing. Kathryn works with physicians, founders and high earners.

### What credentials does Kathryn Kubiak-Rizzone hold?

Kathryn Kubiak-Rizzone holds the CFP credential.

### Is Kathryn Kubiak-Rizzone registered with the SEC?

Yes. Kathryn Kubiak-Rizzone is registered as an investment adviser representative in CA, DC, MD, NY and TX (CRD 7358547), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does About Time Financial Planning manage?

About Time Financial Planning reports $20.4M across 178 accounts in assets under management.

### How do I contact Kathryn Kubiak-Rizzone?

Through Kathryn's website, abouttimefinancial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/kathryn-kubiak-rizzone-10022): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://abouttimefinancial.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.