Karen Folk, CFP®, Ph.D.

Advisor Emeritus,
Bluestem Financial Advisors, LLC

Contact Details

Bluestem Financial Advisors, LLC
1809 Woodfield Dr
Suite A
Savoy, IL 61874
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Primary: (217) 352-0000
Mobile: (217) 722-3403


Karen Folk is licensed as a Certified Financial Planner certificant and has a Ph.D. in Family and Consumption Economics from the University of Illinois. She has been involved in consumer education for over twenty years and has held positions at Oklahoma State University, the University of Illinois, and the University of Wisconsin. As a state cooperative extension specialist, she authored over 20 publications on money management topics.

She started her own business in 1999 as Folk Financial Planning. In 2011, Jacob Kuebler joined the firm as a business partner and they became Bluestem Financial Advisors, LLC. Bluestem Financial Advisors offers sound financial planning advice to middle income clients. As a fee-only certified financial planner™ practitioner, Karen receives no commissions from the purchase or sale of products. Her mission is to be a trusted advisor who helps ordinary people make smart choices about money.

Professional Credentials/Designations

  • CFP®
  • Ph.D.

Additional Office Locations

  • United States

Accepting New Clients

  • No

Offers Remote Appointments

  • Yes

Job History

Bluestem Financial Advisors, LLC
Champaign, IL, United States
September 2011 - December 2016

Folk Financial Planning
Urbana, IL, United States
April 1988 - September 2011

Frey Financial
Admin Assistant
Savoy, IL, United States
January 1997 - March 1999

University of Wisconsin
Assistant Professor and State Extension Specialist
Madison, WI, United States
August 1994 - May 1997

University of Illinois at Urbana
Assistant Professor, Consumer Sciences
Urbana, IL, United States
August 1991 - July 1994

Oklahoma State University
Assistant State Extension Specialist
Stillwater, OK, United States
October 1986 - July 1988