karen tamara brown

At KTB Financial Services LLC, we believe financial freedom is within everyone's reach. That’s why we’re dedicated to providing our expertise to help and educate individuals in budgeting, saving, and learning the fundamentals of investing terminology through our personalized accountability meetings. Our proven strategies are designed to empower you to achieve your financial goals and secure your future. Join us today and take the first step on your journey to financial freedom!

KTB FINANCIAL SERVICES LLC.

I look forward to meeting you!

KAREN BROWN, MBA, ACCOUNTABILITY PARTNER

Our Process

Our Process

Balancing family, personal life, and finances can often feel overwhelming, leaving you stretched thin and unsure where to turn for help. At KTB Financial Services, I understand the pressures you face and am here to lighten that load. Our mission is to alleviate your financial worries, empowering you to concentrate on what truly matters in your life—your family, your passions, and your well-being.

Our entirely virtual comprehensive services offer you the convenience and flexibility to fit financial planning into your busy schedule. Whether you have questions about budgeting, saving, or investing, our expert team is dedicated to providing tailored solutions that align with your unique needs and goals. We believe that financial guidance should be accessible to everyone, which is why we work with you to create a personalized plan that suits your lifestyle.

You have the freedom to schedule meetings at times that work best for you, ensuring that our support seamlessly integrates into your day-to-day life. We also pride ourselves on offering competitive rates that fit within your budget, allowing you to invest in your financial future without added stress.

Let us partner with you on this journey to regain control of your finances. With our expertise and personalized approach, you can reduce financial anxiety and focus on building a brighter future for yourself and your loved ones. Together, we’ll navigate the complexities of finance so you can enjoy the peace of mind from financial stability and security.

THe PATH to financial success

Guiding You Through Every Step of Your Personalized Financial Path!

  • As you begin your journey towards success, it's important to explore your initial landscape and establish a strong foundation for a personalized plan that will help you achieve your goals. By gaining a clear understanding of your starting point, you can set yourself up for success and make progress towards your objectives.

  • Gain control of your expenses by analyzing your spending patterns. Evaluate needs versus wants.

  • Evaluate which debt repayment method works best: Avalanche or Snowball.

  • Navigate the world of savings and discover strategies to grow and protect your money. Consider opening a High-Yield Savings Account for both sinking and emergency funds.

  • Achieving financial goals is crucial, but it shouldn't come at the cost of your well-being. Striking a balance between your lifestyle and finances is key to long-term success.

Let’s work together : Claim your free consultation

testimonials

  • Sparkle (29, Wife, Mom, Navy Veteran, IRS Employee)

    "Think less about how much money you make & instead, think more about how you choose to manage it. Karen, has showed me the importance of tracking my spending, separating my needs/wants, gave me resources to grow my savings, etc. “

  • Chris , 20years old

    Learning how to make sacrifices was a difficult and frightening experience for me. I was fortunate to have had parents who never said "no" to me, so when I started working, I spent all my money without a second thought. However, after meeting Ms. Karen, things became much easier for me. Even though I was only 20 years old at the time, I began living my life differently. I learned the importance of saving and investing for my future, and I am now able to do things that I had always wanted to do. I believe that I am in a great spot for my future, thanks to the lessons I learned from Ms. Karen.

  • Adilene, Navy Sailor

    "Working with Karen has been life-changing. I have completely changed my outlook on finances and spending."

  • DIANA ( FIREFIGHTER)

    "I am BLESSED to make good money but unfortunately did not know how to manage it. But Karen has been a huge asset in helping me manage it, invest my money, and, most importantly, reach goals I didn’t know I could. “

  • Treemeka (Mom, Wife, Government Employee)

    Knowing the difference between a needs and wants means everything to me. As an educated African American professional that makes a very decent living I can honestly say that I did not differentiate the too very well. I was living pay check to paycheck until I met Karen. My credit score was considered poor not because of slow payments but because of heavy utilization . Karen put me on a strict 90 day budget and I mean strict but those three months of pure sacrifice has changed my entire life. In less than a year I have increased my credit score and I've been put into position to save money invest money and purchase my forever home. I am financially free! Thank you Karen.