Karen Rademeyer, CFP®
Industry Award WinnerMy Mission Statement
Financial Planning Starts With Your Story
Every season of life brings different priorities.
Careers grow. Compensation becomes more complex. Businesses expand. Families change. Children head to college. Retirement starts to feel closer. And sometimes a major life transition—marriage, divorce, widowhood, an inheritance, a career change or caring for someone you love—reshapes what matters most.
I believe financial planning should begin with your story—with understanding your life, your priorities, the people who matter most to you and what you want your wealth to support today and in the years ahead.
As a Financial Advisor with Morgan Stanley, I work with clients throughout Northeast Florida and across the country. I'm passionate about listening first and helping bring clarity to the different pieces of your financial life, so the decisions you make today support the life you are building, the people you care about and the legacy you want to create.
For some clients, that means creating a retirement income strategy. For others, it may mean managing concentrated company stock or equity compensation, minimizing taxes, improving cash flow, managing risk, protecting and growing wealth, planning for the next generation, addressing estate and legacy goals, or simply gaining greater clarity around their assets, liabilities, where they stand today and what comes next.
I am also fluent in English and Spanish and value being able to connect with clients and families across different backgrounds.
Above all, I want my clients to feel seen, heard and understood—not simply as investors, but as people with families, goals, responsibilities, dreams and stories that matter.
Outside of Work
Outside of work, I love spending time with my daughter, who is a senior at the University of Florida, traveling and exploring new places.
Running is one of my passions, and I am a lifelong Liverpool FC supporter and a new Formula One fan. I also enjoy reading, learning and continually challenging myself to grow.
For the past four years, I have served as a judge for the InvestWrite competition, helping encourage financial literacy and critical thinking among students.
Let's Connect
Money is personal. Your goals are personal. And the relationship you have with your Financial Advisor should feel personal too.
I believe the best financial planning starts with a conversation about you—where you are today, what matters most and what you want the next season of your life to look like.
I would welcome the opportunity to hear your story.
NMLS#: 1281446
Confidence Starts With A Plan
A new Morgan Stanley study shows that people who have a financial plan feel more confident, more satisfied, and less financially worried. Yet more than half of people don't have one. Some highlights I thought were powerful:
• People with a plan are more likely to feel prepared and hopeful about the future.
• Most wish they had started planning earlier.
• Working with a financial advisor leads to stronger relationships and clearer direction.
It's a great reminder that a financial plan isn't just about numbers—it's about confidence, wellbeing, and knowing you're on track. If you don't have a plan in place yet, now is a great time to start.
Investors' perceptions of risk and time heavily influence their decision making. While individuals tend to process short-term volatility and intermediate-term drawdowns viscerally, these realities can distract investors.
Planning for individuals with special needs involves navigating a complex landscape of financial and estate planning challenges. Whether you are planning for your own future or for a family member with special needs, it is crucial to develop a comprehensive strategy that addresses both immediate and long-term needs.
Here's how a financial plan can help you stay on track, adapt to uncertainty and make confident decisions.
Health care costs are rising — especially for retirees, and some may need long-term care. Learn the moves you can make to help prepare yourself.
Your ability to earn an income may be one of your most valuable assets, but an accident or unforeseen illness can put that asset at risk. Here's how to help protect it.
Financial planning is often misconceived as a mere exercise in budgeting, allocating investments or running retirement projections. However, for ultra high net worth (UHNW) individuals and business owners, financial planning is a comprehensive and ongoing process that encompasses multiple core areas.
Economic uncertainty and market volatility are inevitable parts of the investment process, but they don't have to derail progress toward your long-term goals. While it's natural to want to make short-term changes to ease discomfort, understanding how to strategically manage your overall financial picture during these times is key.
We are Morgan Stanley Women without limits
Learn, Invest, and Make an Impact
At Morgan Stanley, we recognize the importance of preparing the next generation to navigate personal finance, investing and long-term wealth planning. Our Wealth Education Resources help build foundational money skills, and our Investing with Impact capabilities can help clients align investment and philanthropic choices with their values and goals.
Investing with Impact: Create Positive Impact Aligned with Your Values
I can assist you in exploring ways to align investments with your values. Value-based investing with impact can take several forms, including:
- Faith-Based
- Broad-Based Sustainability
- Conservation and Biodiversity
- Gender Lens
- Climate Action
- Diversity, Equity, and Inclusion
- Health & Wellness
Featured Resources:
With an estimated 2.5 billion Christians worldwide, many seek to integrate their faith into all aspects of life, including financial decisions. This guide serves as a roadmap for Christian investors aiming to align their investment and philanthropic activities with their religious values. It explores how faith can inform personal investment principles and highlights the resources available at Morgan Stanley to support value-aligned financial strategies.
Developed through proprietary technology and analytics, Morgan Stanley IQ® is a tool that gives our clients the ability to understand the environmental and social impact of their investments. Built on rigorous analysis of companies' products and practices, Morgan Stanley IQ® can instantly assess the impact of your investments across nine impact themes and 100+ social and environmental factors.
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Hear From My Clients
Verified ClientTestimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
5285589 3/2026
Awards and Recognition
Portfolio Insights
Retirement
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Investing
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Family
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- 529 Plans / Education Savings Planning
- Long Term Care Insurance
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Philanthropy
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Financial Wellness
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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