to bring balance to your life
Karen Coyne bio image
Karen L. Coyne, CFP® Financial Planner

Karen Coyne, CFP® is the founder of Clarity Planning, an independent financial planning practice at Raymond James.

She is a financial advisor to entrepreneurial physicians and professionals who value their time, wellness, and relationships as much as any other asset. She serves as a guide and sounding board for her clients, helping them make sense of how their money will best serve their vision and values. Karen is also a financial author and writer, with articles published by Medical Economics, Physician’s Practice, and She is the podcast host of MONEY WITHOUT MATH (formerly Fresh off the Vine), and loves to explore the myriad of ways that finances intersect with so many other aspects of our lives.

The benefits of basic financial planning were made quite clear to Karen with the tragic loss of her father when he was just 40 years old. Because her parents had taken steps to help prepare for the unexpected, her family was able to avoid compounding an already painful situation. Karen is impassioned about being actionable and making decisions when you have options, before life makes your decisions for you.

Karen has attained the prestigious CFP® certification, one of the most respected financial planning credentials among consumers and a recognized standard of excellence in personal financial planning. CFP® professionals complete a rigorous and comprehensive program, which covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.

Karen also holds the securities licenses Series 7, 24 and 63, life and health insurance licenses, and is a Registered Principal and Investment Management Consultant (IMC). * She earned a bachelor’s degree in art history from the American University of Paris, France.

She brings experience, but also generous doses of humor and perspective. She “deals in the real” and is the antidote to shaming and “shoulding.”

She has been named to the Investopedia 100 Top Financial Advisors which recognizes top advisors across the country. Investopedia 100 celebrates advisors who are making significant contributions to critical conversations about financial literacy, investing, and planning. With more than 100,000 independent financial advisors in the U.S., the Investopedia 100 spotlights the country’s most engaged, influential, and educational advisors.

Karen serves on the board of the Community Foundation of Washington County, Maryland and is the chair of Women’s Giving Circle of Washington County. She also serves on the Raymond James Women’s Advisory Council and the Raymond James Sustainable Investing Advisory Council. She enjoys staying active on the tennis courts and on her bike and is an unabashed food and wine enthusiast (currently trying to perfect homemade pita bread). Karen grew up outside Chicago, Illinois. She has lived and traveled internationally, but is happiest surrounded by friends and family, wherever that may be. She lives in Hagerstown, Maryland and has two sons, Abe & Max.

The Investopedia 100 ranking recognizes financial advisors who make a significant influence across digital publishing and social media platforms and who champion financial literacy and education. The ranking is measured across social media platforms, advisor websites or blogs and content that is in the spirit of financial literacy and education. These areas are measured through a proprietary ranking methodology that was developed by Investopedia. There were several hundred applications with 100 advisors ranked. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of an advisor's future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. Investopedia is not affiliated with Raymond James.

Membership is based on prior fiscal year production. Re-qualification is required annually. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of an advisor's future performance. No fee is paid in exchange for this award/rating.

Founded in 2018, the Raymond James Sustainable Investing Advisory Council has been dedicated to developing innovative approaches to sustainability, leveraging a combination of due diligence and technology to assist advisors and their clients in leveraging ESG factors to evaluate investment opportunities. Membership is not an endorsement, is not representative of any one client's experience, and is not indicative of future performance. No fee is paid in exchange for this membership.

The Investment Management Consultant designation is awarded to those who complete the Raymond James Institute of Investment Management Consulting program.

Raymond James is not affiliated with any of the named charitable organizations or causes.

CFP® | Certified Financial Planner | CFP Logo

Certified Financial Planner Board of Standards, Inc., owns the certification marks above, which it awards to individuals who successfully complete initial and ongoing certification requirements.