Karen F. Folk

Karen F. Folk

| CFP®, Ph.D.

Bluestem Financial Advisors, LLC

Fee Only Financial Planner Located in Champaign, IL and Serving Clients Nationwide


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting

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1802 Fox Drive, Suite A
Champaign, IL 61820

Karen Folk is a NAPFA-Registered Financial Advisor.
NAPFA is the country's leading association of Fee Only Financial Planners.
What is "Fee Only Financial Planning," and why is it important?

Karen Folk has a Ph.D. in Family and Consumption Economics and holds the CERTIFIED FINANCIAL PLANNER™ designation, which she received in 1999. Prior to opening Folk Financial Planning, she was in consumer education for over 25 years, at Oklahoma State University, the University of Illinois, Urbana-Champaign and the University of Wisconsin, Madison. In 2011, she formed Bluestem Financial Advisors, LLC with co-owner, Jacob Kuebler.  In Sept 2016, she transitioned to Advisor Emeritus status with Bluestem Financial Advisors, LLC, now a multi-advisor fee-only comprehensive planning firm.  Her primary roles in the firm are mentoring new advisors and presenting occasional workshops for clients and the public.

Karen continues to reach out to the community and consumers to bring financial peace of mind to more people. In the past, she has served on the Board of Directors for ACA and the board of the Eastern Illinois Estate Planning Council. She has been quoted in articles in the News-Gazette, Wall Street Journal and Christian Science Monitor.  She continues her work with the Alliance of Comprehensive Planners, a nonprofit nationwide network of comprehensive, fee-only planners.