Kristin Bartlow
CFP®
Wealth Advisor, Managing Director
Kristin is a Senior Wealth Advisor and Managing Director at HTSW, where she partners with individuals and families to deliver thoughtful, relationship-driven financial planning across all stages of life. Kristin left a career in property and casualty insurance in 2009 to pursue the entrepreneurial and people-focused work of financial planning. Inspired by her grandmother Jean, who became a widow at 42 with two young children and ultimately lived until 98, Kristin saw firsthand the long-term impact that proactive financial planning can have on a family’s security and independence. This experience continues to shape her approach and fuels her passion for helping clients make confident, well-informed decisions.
In 2016, Kristin founded the non-profit organization “100+ Women Who Care, Contra Costa County”. Their mission is for 100+ women to commit to contributing $100 four times a year to local charities. Kristin is inspired by the vision of women pooling their resources to make a greater difference in the community. To date, the group has collectively donated more than $250,000 to local nonprofits across Contra Costa County.
Kristin has received numerous industry accolades for her work with clients including being recognized by Investment News on their 2026 Top Financial Advisors List, as well as recognitions from Forbes and other industry publications. She credits her professional growth to deeply listening to her clients and applying comprehensive planning experience to recommend the right strategies at the right time.
Kristin lives in Alamo, CA with her daughters Samantha and Robin, and their mini Goldendoodle Rosie. Her family is her pride and joy, and she especially enjoys spending time with her extended and blended family. Outside of work and community involvement, she enjoys cooking, entertaining, hiking and leading her professional team to new opportunities. Kristin holds a BS in Psychology from the University of Colorado at Boulder (2002).
Professional Designations, Licenses & Certifications:
CERTIFIED FINANCIAL PLANNER (CFP®)
Chartered Life Underwriter (CLU®)
Retirement Income Certified Professional designation (RICP®)
Chartered Financial Consultant (ChFC®)
Wealth Management Certified Professional (WMCP®)
Awards:
InvestmentNews’ 2026 Top Advisors list1
2025 InvestmentNews Women to Watch, Excellence in Philanthropy & Community Service - finalist2
2025 Forbes Best-in-State Top Women Wealth Advisors3
2025 MarketsMedia Women in Finance finalist4
2024 AdvisorHub 1000 Advisors to Watch: 250 Under $1B5
Investment News Hot List 20236
2023 AdvisorHub 100 Advisors to Watch – RIA7
Forbes Best-In-State Wealth Advisors 20218
Forbes Top Women Wealth Advisors 20209
Working Mother & Shook Research Top Wealth Advisors Moms 202010
1This rating was provided in February 2026 by InvestmentNews. It covers the period of August 2024 through August 2025. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://www.investmentnews.com/best-in-wealth/top-financial-professionals-in-the-usa/265192.
2This rating was provided in August 2025 by InvestmentNews. It covers a 12‑month evaluation period. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://womentowatch.investmentnews.com/winners-and-excellence-awardees/2025-winners-and-excellence-awardees/#EXCELLENCE-IN-PHILANTHROPY-&-COMMUNITY-SERVICE.
3This rating was provided on April 8, 2025, by Forbes | SHOOK. It covers the period of data as of June 30, 2024. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://www.forbes.com/sites/rjshook/2025/04/08/methodology-forbes-americas-top-wealth-advisors-2025/.
4This rating was provided on September 9, 2025, by Markets Media. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://www.marketsmedia.com/2025-u-s-women-in-finance-awards-the-finalists/.
5This rating was provided on June 10th by AdvisorHub. It covers the period of June 2022 - June 2023. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://www.advisorhub.com/resources/why-rank-at-all/.
6This rating was provided on December 12, 2023, by InvestmentNews. It covers the period of 6/30/22 – 6/30/23. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://www.investmentnews.com/best-in-wealth/top-financial-professionals-in-the-us-hot-list-2023/246534.
7This rating was provided on June 10th by AdvisorHub. It covers the period of June 2021 - June 2022. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://www.advisorhub.com/resources/why-rank-at-all/.
8This rating was provided on Feb 11, 2021, by Forbes | SHOOK. It covers the period of data as of June 30, 2020. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://www.forbes.com/sites/forbespr/2021/02/11/forbesshook-release-fourth-annual-best-in-state-advisor-rankings/.
9This rating was provided on April 21, 2020, by Forbes | SHOOK. It covers the period of data as of June 30, 1999. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://www.forbes.com/sites/rjshook/2020/04/21/the-2020-forbes-ranking-of-americas-top-women-wealth-advisors-methodology.
10This rating was provided on October 29, 2020, by SHOOK and Working Mother Magazine. It covers the period of 3/31/19 - 3/31/20. There was no compensation exchanged in consideration for the use of this rating. For more information, please visit https://seramount.com/working-mother/.
