Shalmali Kulkarni (CFP®)
Shalmali Kulkarni focuses in the
following client markets or areas of practice:
- Cash Flow/Budgets/Credit Issues
- College/Education Planning
- High Net Worth Client Needs
- Investment Advice with Ongoing Management
- Middle Income Client Needs
- Millennials
- Cash Flow/Budgets/Credit Issues
- College/Education Planning
- High Net Worth Client Needs
- Investment Advice with Ongoing Management
- Middle Income Client Needs
- Millennials
Planning Specialties
Rowling & Associates is a fee-only financial planning firm. Our main focus is on helping clients achieve their financial goals by creating detailed financial plans and investment strategies suited to each client's needs. Behind the scenes, we have a team of specialists working on each client. These include financial planners who can assist you with any questions related to your finances, tax specialists who work on filing tax returns as well as tax planning to ensure you are paying the least amount of tax legally possible and an entire service team who works on assisting clients with cash needs, placing trades, account opening etc.
Other than a great team, our most valued tool is our rebalancing software, TRX that was developed in-house by our founder. This helps us monitor client accounts on a day to day basis and make tax-efficient moves in a timely manner.
As our founder always says, we are here to answer all your questions and those you don't know to ask.
Additional Information
Shalmali has a Bachelor's in General Business from Mumbai, India. During her final year of college, she earned an internship with a start-up financial planning firm. The internship mainly involved creating literature to spread financial literacy. However, part of spreading financial literacy also involved creating financial plans for anonymous clients for free. This gave Shalmali a base in the basic concepts of personal finance such as savings strategy, budgeting, power of compounding etc. To further her knowledge, Shalmali pursued a Master's in Financial & Tax Planning from San Diego State University and also completed her Certified Financial Planner certification examination during the same time.
Shalmali has been with Rowling & Associates since 2017 and has progressed from an Intern to a Financial Planner during this time. Currently, she works with clients across the spectrum, but especially enjoys working with next-gen clients. She also has a keen interest in tax planning and in her spare time can be found working with the tax team to understand and learn more about its nuances.
NAPFA Start Date
May 22, 2018
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