Patricia  Konetzny

Patricia Konetzny


The Practical Planner, LLC

(978) 448-3403

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Fee-Only Financial Planner With Offices in Groton, MA and Maynard, MA 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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274 Main Street
Groton, MA 01450

9 Marlboro Street
Maynard, MA 01754

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Patricia Konetzny is a Fee-Only Financial Planner serving the areas of Maynard, MA, Groton, MA, Dunstable, MA, Westford, MA, Harvard, MA, Acton, MA, Littleton, MA and Concord, MA. The Practical Planner, LLC specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Patricia Konetzny is a NAPFA-Registered Financial Advisor, a CERTIFIED FINANCIAL PLANNER™ Professional and an Enrolled Agent.

Patricia Konetzny founded The Practical Planner, LLC in 1999. She is a Certified Financial Planner™, Registered Investment Advisor and an Enrolled Agent with the Internal Revenue Service. She brings over 20 years of experience to her practice, providing a holistic approach to each client’s financial plan with experience and flexibility to adapt client’s strategies with life’s many unexpected turns. 

Patricia is a founding and past board member of the Alliance of Comprehensive Planners (ACP), a premier fee-only financial planning organization, a member of the National Association of Personal Financial Advisors (NAPFA), and the National Association of Tax Practitioners (NATP). As a NAPFA- Registered financial advisor, she is required to meet the most stringent continuing educational requirements in the industry. 

Patricia is originally from Miami, Florida and earned her degree in Economics from Assumption College in Worcester, MA where she met her husband, Tom of 37 years. She fell in love with New England and now resides in Maynard, Massachusetts. In her free time, she loves spending time with her young grandchildren, gardening, hiking and vacationing in their remote cabin in Vermont’s Northeast Kingdom. 

Patricia has been quoted for articles in The Wall Street JournalWall Street Journal OnlineKiplinger’s Personal Finance, Fidelity Investment’s Stages magazine and E-News and Investment Advisor magazine. She was also a source for the Parents magazine article, “Can You Afford to Quit Work?” and the magazine column about investment strategy for saving versus pre-paying college loans.


The Practical Planner, LLC is an independent, Fee-Only financial planning firm that provides comprehensive, tax-focused financial advice and wealth management.

As Fee-Only Certified Financial Planners™, clients pay directly for our professional advice and are not sold products. 

As a Registered Investment Advisor, we are among a select group of advisory firms authorized to access funds offered by Dimensional Fund Advisors (DFA), and we use DFA funds extensively along with Exchange Traded Funds (ETFs), index funds, and other select low-cost investment vehicles.

As an Enrolled Agent, we understand tax laws and consider tax implications of any decision that is made. We work with our clients throughout the year to lawfully minimize their tax bill and ensure they avoid the mistake of overpaying taxes.