CPA, CFP®, MSFP, MST, MBA
Milestone Financial Planning
OWNER | SENIOR ADVISOR
Specializing in tax, retirement, and financial planning with an emphasis on tax planning to reduce total lifetime taxes paid. Serving clients across the country from our Massachusetts and New Hampshire offices, meeting online and in person.
Milestone Financial Planning is a fee-only financial planning and investment management firm with offices in Bedford, NH, Newmarket, NH and Westford, MA serving clients locally and across the country. Milestone provides financial planning, investment management, and tax planning services to individuals, families, and small businesses to help organize, grow and protect assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Kathryn Lund is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Kathy Lund has been providing integrated financial planning services to individuals and families since establishing her own fee-only financial planning practice in 2007. She joined Milestone through the acquisition of Mosaic Financial Advisors, LLC in January 2022. Kathy started her career at Price Waterhouse in Boston, moving into industry as Vice President, Finance and Administration for a high-tech start-up. She started her own CPA practice in 1988 (Kathryn K. Lund, CPA), working in the capacity of part-time CFO for start-up companies looking to go public while raising two small children.
Kathy received her Master of Science in Taxation (1994), and her Master of Science in Financial Planning (2006) from Bentley University, both with high distinction. She earned a Master of Science in Business Administration (1981), and a Bachelor of Arts in German (1979) from Michigan State University.
Kathy is a registered advisor with the National Association of Personal Financial Advisors (NAPFA) and a member of the Financial Planning Association (FPA). She is a member of the Massachusetts Society of Certified Public Accountants.
Kathy lives in Westford, Massachusetts, with her husband. Both “small children” are now grown, married, and living close enough to give opportunities for precious time together. Kathy’s happy places are swimming at Walden Pond and hiking with family and friends.
Kathryn Lund is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
"Will your money outlive you, or will you outlive your money?"
At Milestone Financial Planning (Milestone), we help you answer this question by providing fee-only investment management and financial planning services. Our mission is to help you achieve your goals.
At Milestone, you will work directly with a CERTIFIED FINANCIAL PLANNER(TM) practitioner and also be supported by their team of associates. Milestone has a fiduciary responsibility to its clients. We incorporate tax advice into our financial planning, as taxes are an integral part of any financial planning decision. This is an important distinction between our service offering and what other advisors generally offer. We also coordinate your plan with other professionals outside our firm at your direction - CPAs, estate planning attorneys, insurance agents, real estate brokers, etc., to assist you with implementing our financial planning recommendations.
Our value to you, in excess of our cost to you, is 1) estate/financial planning and the creation/maintenance of a goal-focused (not market-driven) portfolio 2) long-term historical perspective and 3) behavioral counseling.
Most wealth is created from hard work, thrift, and initiative. This is why most inherited wealth is gone within one generation. If you want your created or inherited net worth to last, you should implement, monitor, and update a financial plan. In today's complicated environment of investments, taxes, laws, and regulations, this can be incredibly difficult without professional assistance.
We offer ongoing services to clients who are looking for an in-depth relationship with an advisor who will understand their unique circumstances; who will handle the complexity of cash flow planning and investment management integrated with tax and estate issues throughout the years and who will proactively contact them when financial regulations change, or opportunities become available.
As a result, our service is not suitable for short-term or hourly engagements that cannot take advantage of our style of client service.
We will accept a client in any state in the USA. Currently, we are notice filed in MA, NH, ME, CT, VT, PA, CA, LA & TX, but will comply with all licensing and registration requirements of all states, as necessary.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Kathryn Lund is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
Kathryn Lund is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
Kathryn Lund is a Certified Public Accountant (Learn More)
Certified Public Accountants are licensed by the state and authorized by the state to practice public or private accounting. CPA licensing requirements are state specific, but typically include a bachelors degree with additional accounting coursework, successful completion of the Uniform CPA Exam, work experience, successful completion of an approved ethics course, and ongoing continuing education.
Kathryn Lund is a member of The Financial Planning Association® (FPA®)
FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
Contact Kathryn Lund
6 Crusade Rd
Westford, MA 1886
3 Executive Park Drive
Bedford, NH 03110
342 Wadleigh Falls Road
Newmarket, NH 03857