Rengan Krishnakumar

Ph.D, MBA, CFP® Candidate

Atlas Fiduciary Financial, LLC

Financial Planner

Rengan Krishnakumar

Ph.D, MBA, CFP® Candidate

Atlas Fiduciary Financial, LLC

Financial Planner

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Rengan Krishnakumar, Ph.D, MBA, CFP® Candidate

Fee-Only financial planner located in Sarasota, FL, serving clients locally, from the Oakland, NJ office, and across the country with “SMARTER FINANCIAL SOLUTIONS FOR YOUR BEST LIFE."

The name of our firm tells you what we stand for.  According to the dictionary, Atlas is a person who is a mainstay and a Fiduciary involves operating in trust for another person. Advising clients, affecting their financial lives is a tremendous responsibility - which is not lost on us.  Our promise of reliable and responsible guidance can be found in our name and in the SIGNED FIDUCIARY OATH we give each of our clients.

From the beginning, we have always worked as FEE-ONLY Advisors.  Our recommendations are based solely upon merit and our analytical evaluation of the pros and cons of your options. 

In order to provide this level of analysis - EDUCATION AND EXPERIENCE MATTER.  At Atlas Fiduciary Financial, every team member has at least a finance degree from a university and also a CFP.  The senior advisors hold terminal university degrees and gold-standard credentials.  For example, in addition to the CFP, I hold the CPWA certification.  Other Senior Advisors of the firm hold the CFA designation which broadens our knowledge.

And our EXPERIENCE RUNS DEEP.  I’ve worked as a finance professional for over 14 years.  Our Senior Advisors all have similar tenures.

Atlas Fiduciary Financial offers COMPREHENSIVE FINANCIAL PLANNING where we look at your entire life to provide solutions that support your “best” life and we also offer investment management based on what we have coined ENHANCED-MODERN PORTFOLIO THEORY, using sophisticated mathematical tools proven to reduce risk while investing in your future.

And we are GOOD LISTENERS.  Our personalized focus on your life inspires trust and confidence.  No matter what your situation, your financial plan should address your deepest concerns.  Our compassionate team specializes in clear, straightforward guidance, so you gain a sense of organization and clarity. 

In summary, our SUPERIOR EDUCATION, our YEARS OF EXPERIENCE, our FEE-ONLY FIDUCIARY PROMISE and our GENUINE CONCERN for our clients are the reasons why our relationships run deep and are long-lasting.

Rengan (KK) Krishnakumar is a fee-only financial planner at Atlas Fiduciary Financial.

Watching colleagues liquidate investments toward the bottom of market downturns and getting back in after the market rise have always highlighted for KK the link between successful money management and our emotions. A keen interest in the behavioral psychology aspects of managing money, an analytical approach to risk adjusted investing and an eagerness to help individuals and families led him to pursue a second career as a Financial Advisor.

Driven by a passion for mathematics and physical sciences, KK earned a Ph. D in Engineering. During the early years of his automotive career, his technical interests evolved into a desire to lead manufacturing operations. KK started his leadership journey with an employer sponsored Executive MBA while continuing to work in a management role. His career trajectory took him from leading a small manufacturing team in Lockport, NY at Delphi’s Thermal Division, to being the managing Director of Asia Pacific. This career path also involved working as an expatriate in France, Germany and China – a thoroughly fulfilling experience that led to a deep understanding of multiple cultures. KK’s automotive career culminated in his last role as the Global CEO for Estra Automotive Systems, with Operations in Luxembourg, Poland, and China. 

Upon retiring from his automotive career, KK chose financial planning as his next career path. Atlas Fiduciary Financials’ client-centric and science-based advice is a perfect fit for him. KK looks forward to being a dedicated advocate for clients in his role as a Fee-only advisor. His mission is to guide clients toward financial decisions that are optimized to reduce downside risk and psychological bias. 

KK and his family moved into the Sarasota area to be close to family and enjoy the sunny beaches with their beautiful sunsets. They enjoy traveling, spending time with extended family, and being active at the gym and running.  

Education & Certifications

  • The Ohio State University, Ph. D., Materials Science and Engineering
  • WHU Germany and Kellogg School of Business, Northwestern University, Executive MBA 
  • Florida Atlantic University, M. S in Ocean Engineering
  • Indian Institute of Technology, B. Tech, Naval Architecture
  • CERTIFIED FINANCIAL PLANNER™ (CFP®) candidate (Passed Board exam in first attempt)

Our genuine desire to help people achieve their financial goals, combined with our unique qualities and capabilities, translate to excellent personalized service.


  • Our members hold the highest levels of education in the profession with at least a BA or MBA in finance, while the partners hold a MS and a Ph.D. in financial planning.
  • Our members all hold a CFP® at minimum and members also hold the other most relevant credentials in the profession including, CFA, CPA, CLU, ChFC.
  • We are continuous learners -  investing in our human capital allows us to offer smarter solutions in a dynamic world.


  • We commit in writing to working as pure (100% of the time) fiduciary and fee-only advisors which means all recommendations are always unbiased and objective.
  • We are members of NAPFA (the only organization monitoring Fee-Only advisors) and are restricted from receiving commissions or compensation from any source other than you - our client. This means all recommendations are merit based.
  • True independence (unencumbered by an organization) means we have no boss or shareholders who could influence our recommendations.  Our only boss is you - our client. 


  • By working with you (not for you) we help you achieve your best life using money as a tool. 


  • Life transitions cause financial stress making it difficult to make the right decisions.
  • We listen deeply to uncover your unique needs.
  • We educate and explain pros/cons of each potential solution to empower your decisions.


  • We help protect you against risk by controlling the controllable.
  • We help you stay focused and on track to achieve your goals.


  • Our client relationships are genuine and rewarding.
  • We are grateful and humbled to do meaningful work contributing to our client’s well-being.

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

Contact Rengan Krishnakumar

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Office Locations:

  • 1577 Fruitville Road
    Sarasota, FL 34236
  • 393 Ramapo Valley Road
    Suite 2
    Oakland, NJ 07436

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