Partner, Financial Planner
Partner, Financial Planner
Our flat-fee structure ties our compensation to services provided, not the number of digits left of the decimal. - Rebecca Kennedy, CFP®
Fee-Only financial planner located in Denver, CO, serving clients locally and across the country
Rebecca Kennedy is a Denver, CO fee-only financial planner. IMPACTfolio® provides comprehensive financial planning and portfolio management with a focus on Environmental, Social, and Governance (ESG) investing to help our clients grow and protect their assets through life’s transitions. As a fee-only fiduciary, and independent financial advisor, Rebecca Kennedy is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
IMPACTfolio® charges a flat annual retainer fee. We feel strongly that this structure is the most equitable to investors and helps to reduce the conflicts of the asset-gathering model.
It was serendipity that led Rebecca Kennedy into the financial services industry right after college in 1999, and finding true fulfillment in helping people that kept her there. Financial planning is both an art and a science that marries two of her favorite disciplines, psychology and math. She enjoys utilizing aspects of these two disciplines every day to help clients work toward achieving their financial goals.
Rebecca is the “E” in the ESG (Environmental, Social, & Governance) investing principles. Growing up in Tennessee, a significant portion of her childhood and adolescence was spent hiking in the mountains with her family. She gained an appreciation for the natural world at a young age while observing the indigenous flora and fauna. As an Environmental Science major at Ohio State University, she furthered her formal knowledge about the importance of conserving our natural resources and preserving the balance of our earth’s biodiversity.
She has been a CERTIFIED FINANCIAL PLANNER™ professional since 2002, and has served in a variety of capacities within the industry over the years. In the five years prior to joining IMPACTfolio®, she was the Principal of Kennedy Financial Planning, a fee-only Registered Investment Advisor in Denver, Colorado.
Rebecca has served as the Co-Chair of the Pro Bono Committee and Chair of the Public Relations Committee for the Colorado Financial Planning Association. She is also a member of NAPFA (The National Association of Personal Financial Advisors) and the Fee-Only Network. She is a previous member of the Garrett Planning Network.
Currently, Rebecca and her husband, Jim, enjoy delivering meals for Project Angel Heart. In addition, she has volunteered as a mentor for Denver Kids and a reading buddy for Mount Saint Vincent Home.
They spend much time doting on their two rescue dogs, Hoover and Winston, but try to break away occasionally to travel. Their goal is to safely and conscientiously encounter as much wildlife as possible in its natural habitat.
Rebecca Kennedy 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.
Triple Bottom Line Investing
All companies have not only a financial return, but also a social and environmental return. Whether intentional or not, businesses make an impact on their customers, employees, the community, and the environment. Some companies create value while others extract value. The only question is whether we – as investors – are going to take these non-financial returns into consideration.
At IMPACTfolio®, our process involves what we call “triple bottom line” investing by seeking an environmental return, a social return, and a financial return. These three sources of return are what we refer to as our 3 P’s: Planet, People, and Profit.
The Questions We Ask
A financial plan is only as good as the questions being asked when creating it. At IMPACTfolio®, we use what we call our 3 D’s. It involves the following three types of questions: data gathering, diagnosis, and discovery. Each of these serve a unique and distinct purpose.
Data gathering questions ensure that we have the proper information to do analysis and make recommendations. Diagnostic questions bring intentionality to planning by ensuring that clients are aware of the consequences of various aspects of their financial situation and decisions they have made thus far. Discovery questions infuse a plan with meaning by facilitating conversations about what's most important to the client and then anchoring the plan according to those values.
This 3D approach to client inquiry is what really brings a financial plan to life.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
- Comprehensive Financial Planning
- Environmental, Social & Governance Investing
- Retirement Planning
- Tax Planning
- Investment Management
- Retirees and Near Retirees
- Socially Responsible Investors
- Gen X & Millennials
- Sudden Money Situations
- In-Office and Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Rebecca Kennedy 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.
Rebecca Kennedy is a member of the Garrett Planning Network. Click here to learn more.
Everyone needs competent, objective financial advice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments. Our members proudly embrace their fiduciary duty, always placing their clients' best interests first.
Rebecca Kennedy 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.
IMPACTfolio is a Climate Leader since January 2021
Rebecca Kennedy is Interviewed on Panoramix™ In Place
Rebecca Kennedy is Past Co-Chair of the Financial Planning Association of Colorado
Rebecca Kennedy Contributes to MarketWatch: "Reverse mortgage: No longer a tool of last resort?"
Rebecca Kennedy Contributes to MarketWatch: "Don’t make these 5 financial mistakes in 2014"
Rebecca Kennedy is Quoted in The Denver Post: "Money Smart Week serves up free personal finance events, advice"
Rebecca Kennedy is Quoted in The Denver Post: "Sprucing Up for Spring Finances"
Rebecca Kennedy is Quoted on CNBC: "They did what? Tales of dumb moves by smart investors"
Rebecca Kennedy is Quoted in The Denver Post: "An endless pipeline of cash to adult kids who have failed to launch has financial consequences for parent and child"
Rebecca Kennedy is Interviewed on 9 News: "Are you and your partner financially compatible?"
Rebecca Kennedy is Interviewed on KAGS: "Getting married? 5 things to consider when combining your finances"
Rebecca Kennedy is Quoted on Yahoo Finance: "A Shoebox of Penny Stocks and Other Investing Horror Stories"
Rebecca Kennedy is Quoted on US Community Credit Union: "Still Not Saving? You're Not Alone!"
Rebecca Kennedy is Quoted on BankRate.com: "Financial Security Index: Saving for a rainy day"
Rebecca Kennedy is Quoted on the Associated Press: "Should you pay off mortgage before you retire?"
Rebecca Kennedy is Quoted on Fatherly: "Low or High Deductible: Which Health Insurance Plan Is Right For You?"
Rebecca Kennedy is Quoted in Forbes: "Spoilt Rotten: Are There Too Many Mutual Funds & ETFs?"
Rebecca Kennedy is Quoted in US News and World Report: "When Are Small Companies Worth Your Investment?"
Rebecca Kennedy is Quoted on Daily Worth: "8 Money Tips From Financial Planners"
Rebecca Kennedy is Quoted on Fatherly: "401k Loans: Is It Ever a Good Idea to Withdraw From a Retirement Account?"
Contact Rebecca Kennedy
44 Cook Street
Denver, CO 80206