Kristen Vernace
Pathways Financial Planning · Portsmouth, New Hampshire
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.
Request an introduction to Kristen →
Specialties
Who they serve
- Divorced individuals
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 |
| Accepting new clients | Yes |
| Credentials | CFP · CDFA |
| SEC registration | Investment adviser representative in MA, ME, NH, NJ, TX · CRD 7722259 |
| Exams passed | Series 65 (2023) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | pathwaysfp.com |
How Kristen's firm compares
- The hourly rate is $250, below the US median of $300 for fee-only firms that publish prices.
Request an introduction to Kristen
Tell Kristen a little about what you're looking for. Kristen isn't on Wellspent yet, so we'll let them know you're looking for help and pass your message on when they join. No cost, no obligation.
Questions about Kristen
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.
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
- Pathways 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.
See something wrong? Request a correction. Read our methodology.