Carmen Grinkis, PhD, CLTC, CLU®, CFP®
Co-Managing Partner & Wealth Advisor
Carmen is a Wealth Advisor and Co-Managing Partner of AAF Wealth Management, specializing in comprehensive financial planning solutions for individuals, families, business owners, nonprofits & foundations.
Carmen is a licensed investment adviser and a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional. She also has a PhD in Clinical Psychology and 15 years’ experience as a practicing psychologist. This perspective benefits clients because much of financial planning is about life planning.
Carmen believes that personal financial planning is a process, that seeks to creatively harness and align the power of one’s monetary resources to transform person and community life experiences.
She strives to know her clients’ rhythm, affect, and experience, and she utilizes this attunement to offer responses and recommendations, that lead to a transformative financial planning experience.
During her transition from clinical psychology to financial planning, Carmen joined her father, John Grinkis, in his Worcester County, 30-year independent retirement planning practice. She is also an experienced entrepreneur as the Founder of Income Protection Partners. Carmen consults to provide insight and analysis of insurance portfolios (life, long-term care or disability insurance) to assist in proper alignment of insurance offerings with individual, family or business owner goals. She holds life and health insurance licenses in RI, MA, NY, CT, and FL., a Certification in Long-Term Care (CLTC®), as well as a Chartered Life Underwriter® (CLU®) advanced life insurance underwriting designation.
Carmen received her bachelor’s degree from Clark University in Psychology and Philosophy, and a master’s degree and PhD in Clinical Psychology from Duquesne University.
Carmen lives in Tiverton, RI with her wife, who is a fine artist. They are active members of their community and supporters of South Coast Artists, Inc. and the Tiverton Land Trust. Carmen is also a member of the Tiverton Yacht Club, the University Club of Providence, and the LPGA Amateur Golf Association. She is also a member of the Financial Planning Association. When not seeking attunement with her clients, Carmen is pursuing her passion for music, vintage turntables, golf, squash, travel, and outdoor adventure.
Publications
Meet Carmen
“I approach each individual client with the goal of achieving attunement, which is how I am able to recognize, understand, and make recommendations based on their unique needs. This is the magic I love so much about personal financial planning.”
Contributed Insights
From The Desk of Carmen Grinkis: Social Security Optimization
Social Security benefits can be a financial lifeline for many, yet the complexity of the system often leaves significant opportunities unnoticed. There are many rules and formulas that can be difficult to understand—and the Social Security Administration won’t inform you that you have unclaimed benefits. We recently worked with a client who uncovered more than […]
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AAF Wealth Management Q3 2024 Market Insights
AAFCPAs is pleased to share the following Q3 2024 Market Insights published by AAF Wealth Management, a subsidiary of AAFCPAs. While world markets were relatively calm, we saw a bit more volatility this quarter in the investing and political arenas. Coming out of an uneventful first half of the year, the combination of more realistic […]
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Talking With Children About Significant Wealth Transfer
Discussing a significant inheritance with your children, grandchildren, or other family members can be challenging. If you’re like most, you may not know where to start or how to approach the topic. However, you do understand how important it is and the impact it can have on their future, values, and life choices. Understanding the […]
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