Karen S. Patel, CLTC, CFBS

Financial Consultant and Advisor

Educating on options. Deciding with confidence. Executing on your priorities.

Think of Karen as your “friendly reminder” encouraging you to decide and implement strategies toward your priorities.

Providing a high-touch level of service, Karen focuses on each client’s need for learning, understanding, and executing their wealth-building strategies.

 

Karen S. Patel, CLTC, CFBS

Financial Consultant and Advisor

Educating on options. Deciding with confidence. Executing on your priorities.

Think of Karen as your “friendly reminder” encouraging you to decide and implement strategies toward your priorities.

About

Karen has advocated for business owners in construction, manufacturing, professional services, and technology for several decades. Her Midwest roots in a family-owned business are the foundation of her “it’s not how much you make, but how much you keep” strategies.

She focuses on relationship-based, comprehensive financial planning strategies for closely-held middle-market business and family clients.

Karen believes in maintaining a high degree of integrity by putting her client’s needs first and providing personalized solutions for their unique situations and obstacles.

Knowing that not everyone has the knowledge, experience, or professional contacts to assist them, Karen strives to assist her lifelong clients and those referred to her by satisfied clients.

A financial advocate for your business, your family, and your community.

Karen works with a team of experienced internal and external client-centric resources who play a pivotal role in executing financial strategies. The understanding of day-to-day business challenges and opportunities serves clients well from 25 years in financial management and commercial lending. Her integrity in building relationships shines through with her personable and trustworthy demeanor, which is critical for clients seeking a personal and professional relationship.  With her additional economic development experience in both private and public entities, Karen provides resources, networks, and structure to strengthen her clients’ overall position.

As a business owner herself, Karen understands the needs of small businesses and is passionate about helping entrepreneurs lay the foundation of sound financial principles and practices.

As a young teen, she developed her vision to reap rewards from her disciplined saving. She saved, spent, and paid taxes realizing there must be better ways to manage her finances.

She began her financial practice to coach small businesses on the comprehensive strategies needed for them to be successful long-term.

Karen is a life-long, dedicated community leader and has had a significant impact as a member of various business organizations. She also has held governmental and nonprofit positions in metropolitan areas throughout the country.

Outside of her practice, Karen enjoys hobbies and recreations like cooking and baking, gardening, rooting for her favorite NFL Teams, eclectic arts and crafts, wine tasting, golf, and traveling internationally. She has been married for over 25 years and has three marvelous children who together keep the family laughing and active.

Qualifications

Karen has a variety of licenses and certifications, including Certification in Long-Term Care (CLTC) and registrations for her Series 6, 63, 65, and 7, along with her Life and Health license.

Services

Comprehensive business owner solutions

Karen can help evaluate the complete financial and insurance needs of your business, so you can find gaps, get organized, and start focusing on what matters for you to excel.

  • Transition and succession solutions
  • Informal business valuations
  • Total business review of risk mitigation
  • Foundational and advanced business education through Securian Financial’s Business University
  • Wealth accumulation and distribution strategies
  • Group and key employee benefits

Personal financial wellness

Karen isn’t a formulaic advisor. She’s focused on you—what you’re passionate about, how you spend your free time, what you value in the community—and helps align your finances to those priorities.

  • Comprehensive financial planning
  • Investments
  • Retirement strategies
  • Risk management
  • Long-term care strategies
  • Wealth management

Specialized services for vets

Karen works with several North Star advisors throughout the nation to offer specialized financial services to veterinarians and practice owners.

Team

Carrie Hancock
Carrie Hancock

Vice President, Financial Planning Resource Center

Chris Sitek, CLTC®, CASL®, CLU®, ChFC®, RHU®, REBC®
Chris Sitek, CLTC®, CASL®, CLU®, ChFC®, RHU®, REBC®

Vice President Life and Long-Term Care

Heather Scharnberg
Heather Scharnberg

Director of Employee Benefits

Jeff Landt, CFA, CFP®
Jeff Landt, CFA, CFP®

Vice President and Director of Investments

Nik Karsseboom, CPA*
Nik Karsseboom, CPA*

Tax Director*

Michael Sejbl
Michael Sejbl

Insurance Consultant

Events

Karen is very proactive with current and prospective clients, and she holds educational events like business owner symposiums, seminars, and workshops of a diverse selection of financially related topics.

Contact

    Denver

    501 South Cherry Street
    Suite 580
    Denver, CO 80246

    Directions

    San Diego

    9370 Sky Park Court
    Suite 150
    San Diego, CA 92123

    Directions

    Chicago

    203 N. LaSalle Street
    Suite 2174
    Chicago, IL 60601

    Directions

    Karen is a registered representative and investment advisor representative of CRI Securities, LLC and Securian Financial Services, Inc.

    3597239/DOFU 5-2021