# Kristen Vernace

> Kristen Vernace is a fee-only financial advisor at Pathways Financial Planning in Portsmouth, New Hampshire, who holds the CFP and CDFA credentials. Kristen charges hourly fees, a flat fee or retainer and an ongoing planning fee ($250 an hour) and focuses on divorce financial planning and retirement planning.

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

## Facts

- **Firm:** Pathways Financial Planning
- **Based in:** Portsmouth, New Hampshire
- **Fee model:** Hourly; Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** $250 an hour
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** CFP, CDFA
- **Specialties:** Divorce financial planning, Retirement planning
- **Works with:** Divorced individuals
- **CRD:** 7722259 (https://adviserinfo.sec.gov/individual/summary/7722259)
- **SEC registration:** Investment adviser representative in MA, ME, NH, NJ, TX
- **Exams passed:** Series 65 (2023)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://pathwaysfp.com

## Frequently asked questions

### Is Kristen Vernace a fee-only financial advisor?

Yes. Kristen Vernace 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 Kristen's firm.

### How does Kristen charge for financial advice?

Kristen charges hourly fees, a flat fee or retainer and an ongoing planning fee.

### How much does Kristen charge?

According to Pathways Financial Planning's website, checked October 28, 2026: $250 an hour.

### Does Kristen work with clients virtually?

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

### Where is Kristen Vernace based?

Kristen Vernace is based in Portsmouth, New Hampshire.

### What does Kristen specialize in?

Kristen's specialties include divorce financial planning and retirement planning. Kristen works with divorced individuals.

### What credentials does Kristen Vernace hold?

Kristen Vernace holds the CFP and CDFA credentials.

### Is Kristen Vernace registered with the SEC?

Yes. Kristen Vernace is registered as an investment adviser representative in MA, ME, NH, NJ and TX (CRD 7722259), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Kristen Vernace?

Through Kristen's website, pathwaysfp.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/kristen-vernace-81774): 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://www.pathwaysfp.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.