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.

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.

09/03/2026

If you could go back to school tomorrow, what would you study?

It sounds like a question for a 20-year-old.

But it taps into something honest and curious, the mindset we often had more naturally when we were younger.

That's important because if you're 60 today and could live to 100, you may have 40 years ahead of you.

Think about everything that happened between ages 20 and 60: The jobs. The relationships. The lessons. The reinventions.

Why should the next 40 years be any less interesting?

Retirement doesn’t have to be winding down. It can be a time to reimagine what is possible. Tune into our new episode with JoAnne Moore.

Many retirees feel nervous about spending their savings, even when they've done an excellent job building wealth.Frankly...
09/01/2026

Many retirees feel nervous about spending their savings, even when they've done an excellent job building wealth.

Frankly, this isn’t surprising.

Nearly every financial message we receive emphasizes accumulation. Save more. Invest more. Build more. Prepare more.

After hearing that message for decades, it's easy to start treating spending as a mistake rather than the very purpose of saving in the first place.

As JoAnne Moore points out, people associate retirement with freedom and enjoyment, but they associate spending their assets with anxiety and uncertainty.

The challenge isn't always having enough.

Sometimes it's giving yourself permission to use what you've spent a lifetime building.

08/27/2026

You've spent decades preparing for retirement.

So why is it so hard to enjoy?

JoAnne Moore shares recent studies showing that while people associate retirement with freedom and excitement, they associate spending their savings with anxiety, uncertainty, and vulnerability.

We spend years learning how to accumulate wealth. Very few of us learn how to spend it with confidence.

For some people, building the nest egg isn’t the biggest challenge.

It’s giving yourself permission to crack it open.

When you hear the word longevity, what comes to mind?For many people, it's anti-aging, immortality, or expensive therapi...
08/25/2026

When you hear the word longevity, what comes to mind?

For many people, it's anti-aging, immortality, or expensive therapies reserved for the ultra-wealthy. But that's not what healthy longevity is really about.

Joshua Herring explains that the real goal is to increase health span, the number of years we live in good health, free from preventable disease and disability. It's about helping more people enjoy longer, healthier, more independent lives.

If you've ever thought longevity was financially out of reach, the full conversation offers a much more practical and hopeful perspective.

08/20/2026

We often think of investing in terms of stocks, retirement accounts, or real estate. But some of the most important investments you'll ever make happen long before retirement.

The quality of the food you eat, the time you make for exercise, your sleep habits, and the way you manage stress all influence not only how long you live, but how well you live.

Joshua Herring encourages us to think differently about these everyday choices. They're not simply expenses. They're investments in your future health and quality of life.

Listen to the full episode to learn how healthy longevity is reshaping the way we think about money, retirement, and investing in ourselves.

We spend a lot of time thinking about how long we'll live. We spend far less time thinking about how well we'll live.Tha...
08/18/2026

We spend a lot of time thinking about how long we'll live. We spend far less time thinking about how well we'll live.

That's the difference between lifespan and healthspan. Healthy longevity isn't about chasing immortality. It's about creating more years filled with energy, independence, and the ability to do the things that matter most.

Joshua Herring offers a thoughtful perspective on why this shift in thinking matters, not just for our health, but for how we plan, invest, and prepare for the future.

The full episode explores how healthy longevity is reshaping conversations around aging, financial planning, and living better for longer.

08/13/2026

You don't have to fund an entire breakthrough to help create one.

Some of the world's biggest advances happen because many people choose to contribute to something bigger than themselves. When resources are pooled, even relatively small gifts can help accelerate research with the potential to improve lives around the world.

Joshua Herring believes healthy longevity is something we all have a stake in, and that everyone can have the opportunity to be part of the solution.

If you're curious how philanthropy, prevention, and longevity intersect, listen to the full episode.

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