Meet Our Staff

Kelly L Adams, CFP®, RLP®, EA

Founder & Senior Planner

kelly-adamsAfter acquiring eight years of experience in tax compliance and planning, Kelly changed her focus to comprehensive financial planning after consistently seeing a need for this type of service among the clients she serviced.

Kelly began practicing life-centered financial planning after completing the Success training program in 1998 offered through the Alliance of Comprehensive Planners. She spent over five years working with nationally recognized advisor, Bert Whitehead, JD, MBA, founder of Cambridge Advisors (now known as Alliance of Comprehensive Planners) and President of Cambridge Connection, Inc., as an advisor and eventually partner.

Kelly holds a Bachelor of Arts from Michigan State University’s College of Business. She has earned the professional designation of CERTIFIED FINANCIAL PLANNER™ practitioner from the Certified Financial Planner Board of Standards. Kelly has also earned the designation of Enrolled Agent from the Internal Revenue Service. Kelly completed the Kinder Institute’s Registered Life Planner designation in 2018.

Kelly is an active member and educator for the Alliance of Comprehensive Planners. She is a member of the National Association of Personal Financial Planners (NAPFA), Financial Planning Association (FPA), and the National Association of Tax Practitioners (NATP).

Harbor Light Planning, LLC was founded in December of 2003 upon principles that place the utmost value on our clients’ financial goals and objectives.

Kelly lives in Walled Lake, Michigan with two crazy cats.

Nick Loberg, Associate Planner

Nick Loberg joined the Harbor Light Planning team in August 2019. Nick has worked in financial services for the last 6 years in both the insurance and retirement industry. He is a graduate of Saginaw Valley State University and Suttons Bay High School.

Nick spends his free time working out, playing basketball, golfing, and continuing to further his professional education. He also enjoys visiting his family cottage on Lake Huron in the summertime as well as his family in the Traverse City area.

Nick is happily married to his beautiful wife Teresa and they recently celebrated their first anniversary. They are both originally from the Saginaw, Michigan area and decided to move back to Michigan after spending the last 5 years living in Omaha, Nebraska. Nick and Teresa currently reside in Farmington Hills.

Amy Ernst, Client Coordinator

Amy joined Harbor Light Planning in 2019. Amy has raised two wonderful young adults who are moving toward independence.  Amy and her husband Chris have been clients of HLP for several years and during a meeting it a came up that Amy was looking for more to fill her days and HLP was in need of a part-time administrative oriented staff member. Amy’s background in finance related positions and various leadership roles made her a perfect fit.

Amy lives in Canton, Michigan.