Karen Coyne, CFP, Clarity Planning/Raymond James

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Karen Coyne, CFP, Clarity Planning/Raymond James

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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.

10/22/2026

If you’re feeling exhausted, you might think you need more sleep. Or a long vacation.

You might need more play!

We work harder to hit goals, be more productive, and often dismiss play as frivolous. But play isn't frivolous. It's restorative. In fact, play can improve creativity, resilience, and performance.

Play might be the most overlooked performance enhancer, but that's not the point.

The point is to find the play... and find more joy.

10/21/2026

Protecting someone financially doesn’t have to mean taking away their independence.

When Christine Moriarty saw her mother begin to struggle with financial tasks that had once been second nature, her family didn’t take everything away overnight. They added guardrails gradually and stepped in more as her needs changed.

Good planning isn’t only about preventing financial loss. It’s also about preserving dignity and independence for as long as possible.

If you needed help someday, what would you want that help to look like?

We explore that question in the new episode of Money Without Math.

10/16/2026

If starting tomorrow you could no longer manage your own money, is there someone else who could take over?

Not eventually. Tomorrow.

Would they know where the accounts are? Which bills are on autopay? Who to call? How to access what they need?

Christine Moriarty’s advice in our latest conversation is refreshingly simple: make sure someone else understands your financial life.

That might mean a regular money check-in with your spouse, bringing a trusted person into the picture, or simply making your financial world easier for someone else to navigate.

10/13/2026

Christine Moriarty’s mother was a bookkeeper. She balanced her checkbook to the penny.

Then one day, she could not find the penny.

On its own, that sounds almost trivial. Against decades of behavior, it was not.

That story led us to an important distinction in this episode: the signal is often not forgetfulness itself. It is change.

A missed bill from someone who never misses bills. New secrecy around money. Trouble doing something financially that has been second nature for years. Knowing someone’s patterns may matter as much as knowing their passwords.

What financial habit would your family notice if it suddenly changed?

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.

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.

Address

12920 Conamar Drive, Ste 202
Hagerstown, MD
21742

Website

http://www.raymondjames.com/clarity

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