Kristin Carleton

Kristin Carleton is a financial planner, advocate, and co-founder of All Needs Planning, a firm dedicated to helping families with loved ones who have disabilities build secure, sustainable futures. Drawing on years of professional expertise and her personal journey as a disability mom, Kristin blends heart and strategy to guide families through the unique challenges of planning across two generations.

Her book, Care, Protect, Grow, co-authored with Dr. Kathy Matthews and Mary McDirmid, offers families a roadmap to navigate financial planning, government benefits, estate planning, and caregiving — while staying grounded in what matters most: dignity, independence, and love.

Kristin’s work has helped hundreds of families design personalized plans that not only protect today but also grow possibilities for tomorrow. She is known for her compassionate, clear-spoken approach that makes complex topics feel manageable and empowering.

When she’s not writing or advising families, you can find Kristin spending time with her husband and kids, getting outside, and advocating at the local, state, and national level for the disability community.