Patricia Konetzny


The Practical Planner, LLC


Patricia Konetzny


The Practical Planner, LLC


As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Patricia Konetzny, CFP® EA


Fee-Only Financial Planner With Offices in Groton, MA and Maynard, MA and Serving Clients Nationwide

Patricia Konetzny is a Maynard, MA fee-only financial planner. The Practical Planner, LLC provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Patricia Konetzny is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

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.

Patricia Konetzny is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s 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

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.

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

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Patricia Konetzny is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Patricia Konetzny 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.

  • EA - Enrolled Agent with the IRS
    Patricia Konetzny is an Enrolled Agent with the IRS (Learn More)

    An enrolled agent is a federally authorized tax practitioner empowered by the U.S. Department of the Treasury to represent taxpayers before the Internal Revenue Service. Enrolled agent status is the highest credential awarded by the IRS.

  • Alliance of Comprehensive Planners
    Patricia Konetzny is a Member of the Alliance of Comprehensive Planners (ACP)

    Alliance of Comprehensive Planners (ACP) is the community of tax-focused financial planners that operate under the retainer model. Passionately dedicated to superb client service, ACP planners’ only source of income is client retainer fees – not commissions. With an ACP planner, you can be confident you’re getting experience, knowledge, research, and most importantly, advice that is tailored just for you.

  • Dimensional Funds
    The Practical Planner, LLC has access to Dimensional Funds

    The Dimensional approach focuses on academic research that isolates the factors that tend to outperform the broad market over long time periods and the risk characteristics that can be eliminated from a portfolio. While indexes are simply measures of an asset class, DFA funds aim to efficiently capture the excess returns of an asset class without taking uncompensated risk—and at a low cost.

Contact Patricia Konetzny

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Office Locations:

  • 9 Marlboro Street
    Maynard, MA 01754
  • 274 Main Street
    Groton, MA 01450

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