Karen Coyne, CFP, Clarity Planning/Raymond James

Karen Coyne, CFP, Clarity Planning/Raymond James The financial planning process can be intimidating, anxiety-inducing, dreadful. Humorless. Icky. It Certified Financial Planner Board of Standards Inc.

As a financial advisor, I help physicians, business owners, individuals and families make smart financial decisions and prepare for the challenges ahead. Between balancing work and family, there are many time-robbing responsibilities that crowd into the events and moments that make life truly enjoyable. That’s why we’re here: to make complicated financial matters – whether it’s a plan to retire on your terms or a retirement plan to keep employees engaged with your business – easier to manage so you can focus on matters at hand. Simply put, we help bring clarity and vision to all the financial decisions in your life to make life easier for you. My team and I examine the essential elements of our clients’ financial affairs, from investments to strategies for tax mitigation, wealth preservation, wealth transfer, and charitable giving. Whether a client is considering the sale of a practice, preparing for retirement, or positioning for growth, we provide a comprehensive evaluation of their entire range of financial needs with recommendations on moving forward. Karen Coyne, CFP®
Financial Advisor
Investment Management Consultant

Important Disclosure Information:
http://raymondjames.com/smicd.htm

Securities offered through Raymond James Financial Services, Inc., member FINRA / SIPC. Investment
advisory services are offered through Raymond James Financial Services Advisors, Inc. Clarity Planning is not a registered broker/dealer and is independent of Raymond James Financial Services. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with the flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. The Investment Management Consultant title is awarded to those who complete the Raymond James Institute of Investment Management Consulting program.

10/08/2026

We plan for what happens if we die.

But have you planned for what happens if you are very much alive and can no longer manage money the way you do today?

Cognitive changes aren’t just age-related issues; they can happen at any stage of life. A head injury, stroke, illness or even medication can affect the brain in ways that make managing money more difficult.

This conversation with Christine Moriarty is about preparing while you can still decide what support, independence, and protection might look like for you.

10/06/2026

You can be smart, successful, accomplished...and still believe you're “not good with money.”

Those two things aren't as contradictory as they sound.

Many of our beliefs about money started long before we ever had money of our own. We absorbed messages from our families, culture, and experiences about who manages the money, what we're allowed to want, and what having wealth says about us.

Sarah Walton and I unpack some of those invisible beliefs in this episode of Money Without Math.

Being good with money may have less to do with knowing all the answers and more to do with recognizing the stories you've mistaken for facts.

10/01/2026

"Money doesn't grow on trees."

That was part of my earliest financial education. Maybe yours, too.

The words may sound harmless, but repeat a message often enough and it can become a lens through which we see money: There's only so much. Hold on. Don't waste it. Be careful.

The latest episode of Money Without Math explores the difference between being thoughtful with money and making decisions from fear alone.

What if a 16-year-old version of you is still making some of your financial decisions?At 16, Sarah Walton had to choose ...
09/29/2026

What if a 16-year-old version of you is still making some of your financial decisions?

At 16, Sarah Walton had to choose between paying for the dance team she'd dreamed about for years or buying groceries for her family.

She chose the groceries.

Decades later, sitting in a corner office with a successful career, Sarah suddenly realized the belief she'd created that day was still shaping her life.

In this episode of Money Without Math, we talk about the money stories we absorb early, the invisible rules we carry with us, and what can happen when we finally stop to question them.

09/24/2026

“She's so selfless.”

It sounds like a compliment.

But Sarah Walton asks an interesting question: When does being selfless become having no self?

In our conversation, Sarah talks about the “invisible unpaid work” and overfunctioning that can become so normal we don't even recognize we're doing it. And for successful women in particular, those patterns can spill into how we think about our time, our ambitions, our money, and what we're allowed to want.

09/22/2026

Success isn't just about what you accomplish. It's also about whether you have the energy, focus, and capacity to enjoy it and share your gifts with others.

Nell Derick Debevoise Dewey argues that doing more isn't always the answer. Sometimes the greatest impact comes from removing the distractions, obligations, and expectations that keep you from doing your best work.

If the people around you are learning how to live by watching you, what example are you setting?

Hear why subtraction, not addition, may be the key to creating more impact, more purpose, and a life that feels fully alive.

09/17/2026

Mentally juggling work, family, projects and countless other obligations, Nell Derick Debevoise Dewey drifted into oncoming traffic and hit a landscaping truck head-on.

Miraculously, nobody was seriously injured. But it forced a very uncomfortable realization: Doing too much isn’t just exhausting, it can actually be dangerous.

Life events and crises can force us to check in on our lives, or we can do it proactively. For Nell, honest assessment is the starting point for subtraction.

A new habit. A new program. A new skill.We often think that if we want better health, finances, performance–better anyth...
09/15/2026

A new habit. A new program. A new skill.

We often think that if we want better health, finances, performance–better anything–we need to add something new.

But “subtraction activist” Nell 3D points out that improvement becomes nearly impossible when there’s no space left for it.

Before looking to add something new, consider asking “What can I remove?”

The latest episode of Money Without Math is all about subtraction.

09/10/2026

“Subtract the shame.”

We spend much of our lives learning to accumulate: knowledge, accomplishments, responsibilities, wealth, and possessions. But what happens when the very habits that helped us succeed begin to weigh us down?

When it comes to money, self-described “subtraction activist” Nell Derick Debevoise Dewey isn’t anti-wealth. She is advocating for less shame, silence, and comparison around money. Take a listen to the full episode.

One of the best ways to prepare for what's next is to learn from someone who's already a few steps ahead.Not so you can ...
09/08/2026

One of the best ways to prepare for what's next is to learn from someone who's already a few steps ahead.

Not so you can copy their path.

But because their story expands your sense of what's possible.

A career change at 70. A new hobby at 65. Going back to school.

Seeing how someone else reimagined this stage of life can spark ideas for how we reimagine our own.

As JoAnne Moore shared, retirement is deeply personal. There is no single blueprint–but hearing more stories can help you realize that there are many ways to write the next chapter.

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