# Kerstin Driscoll-Witt

> Kerstin Driscoll-Witt is a fee-only financial advisor at S.E.E.D. Planning Group in Binghamton, New York. Kerstin focuses on retirement planning, tax planning and estate & legacy planning. S.E.E.D. Planning Group reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/kerstin-driscoll-witt/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** S.E.E.D. Planning Group
- **Based in:** Binghamton, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $568.0M across 2,027 accounts
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **CRD:** 4520472 (https://adviserinfo.sec.gov/individual/summary/4520472)
- **SEC registration:** Investment adviser representative in NY, OH
- **Exams passed:** Series 63 (2012)
- **Firm size:** 28 employees
- **Disclosures:** None reported
- **Website:** https://401ktime.com/

## Frequently asked questions

### Is Kerstin Driscoll-Witt a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Kerstin holds no broker registration, and S.E.E.D. Planning Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Kerstin charge for financial advice?

Kerstin's firm, S.E.E.D. Planning Group, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Kerstin Driscoll-Witt based?

Kerstin Driscoll-Witt is based in Binghamton, New York.

### What does Kerstin specialize in?

Kerstin's specialties include retirement planning, tax planning and estate & legacy planning.

### Is Kerstin Driscoll-Witt registered with the SEC?

Yes. Kerstin Driscoll-Witt is registered as an investment adviser representative in NY and OH (CRD 4520472), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does S.E.E.D. Planning Group manage?

S.E.E.D. Planning Group reports $568.0M across 2,027 accounts in assets under management.

### How do I contact Kerstin Driscoll-Witt?

Through Kerstin's website, 401ktime.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4520472): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://401ktime.com/): specialties, clients served, and fees, checked October 30, 2026

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