KARA KOENIG

MANAGING ASSOCIATE & REGISTERED REPRESENTATIVE, EQUITY SERVICES, INC.

E: kara@thoroughbredadvisors.com

Kara Koenig Bio Section

Financial planning can feel overwhelming. My job is to make it feel manageable, personal, and genuinely yours. Whether you're raising a family, running a business, or figuring out what retirement actually looks like for you, I'm here to help you get clarity and move forward with confidence.

Who I work with

I specialize in working with parents and families navigating the competing demands of raising kids, supporting aging parents, and building their own financial foundation. I also work closely with business owners and entrepreneurs who need their personal and professional finances to work together, not against each other. If you're feeling pulled in multiple directions and wondering how to get ahead, you're exactly who I do this for.

The situations I understand best: planning for college while also caring for aging parents, protecting a business you've worked hard to build, finding a retirement strategy that actually makes sense for your income and your life, and making sure the people you love are taken care of no matter what.

Areas of focus

Retirement planning

Building income strategies designed to last as long as you do, with clarity on Social Security, withdrawals, and what your future actually looks like.

College funding

Helping families with school-age children plan ahead and make the most of programs like Sage Scholars Tuition Rewards, before the bill arrives.

Business protection

Working with business owners to protect what they've built, plan for succession or exit, and make sure personal wealth isn't left behind in the process.

Income & tax efficiency

Structuring strategies that protect your income today and reduce what's quietly eroding it over time through taxes, inflation, and unplanned exposure.

Risk & liquidity

Making sure you have access to the right money at the right time, with the right protection underneath it, so life's surprises don't derail the plan.

The sandwich generation

For those simultaneously supporting aging parents and raising children while building their own future. This is a specialty, not an afterthought.

Life insurance strategy

Life insurance is far more than a death benefit. I specialize in helping clients use life insurance as a living asset — for tax-advantaged growth, income protection, long-term care coverage, and generational wealth transfer. If you have a policy and have never had a strategy conversation around it, you may be leaving significant value on the table. Most people are surprised by what their coverage can actually do for them while they're still here.

"When we work together, I start by understanding your full picture. Not just the numbers, but your goals, your concerns, and where you want to go."

Every client relationship starts with a thorough review of where you are today — your needs, your goals, and your level of financial knowledge. From there, I bring it all together into a coordinated, lifelong strategy that grows with you. I take care to consider every piece of your financial puzzle, because real clarity comes from seeing the whole picture, not just one piece of it.

I take pride in helping clients prepare for what's next with strategies designed to protect what they've built and support where they're headed.

Community & credentials

Managing Associate, Thoroughbred Advisors
Founder, Thrive Together Women in Business
BNI Triple Crown Referral
Women United
Capital Region Community Organizations

Kara Koenig is a Registered Representative of Equity Services, Inc. Securities are offered solely by Equity Services, Inc., Member FINRA/SIPC, 421 Troy Schenectady Rd, Latham NY 12110, 518-608-4608. Thoroughbred Advisors is independent of Equity Services, Inc. Kara Koenig is securities licensed and insurance licensed in NY.

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