Kathryn Kubiak-Rizzone
About Time Financial Planning · Rochester, New York
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.
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Specialties
Who they serve
- Physicians
- Founders
- High earners
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 |
| Accepting new clients | Yes |
| Assets under management | $20.4M across 178 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA, DC, MD, NY, TX · CRD 7358547 |
| Exams passed | Series 65 (2021) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | abouttimefinancial.com |
| Profile |
How Kathryn's firm compares
- A one-time plan starts at $400, below the New York median of $2,500 for fee-only firms that publish prices.
- About Time Financial Planning's average account is about $114,000, from its Form ADV (assets managed divided by 178 accounts).
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Questions about Kathryn
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- About Time Financial Planning website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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