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About UsMeet The Team.

Our FirmAbout Us

At Gratton & Kerr Financial Group, we help families make the transition from accumulating wealth to using it with confidence.

Founded in 2011 and headquartered in Mars, Pennsylvania, we serve retirees and those nearing retirement throughout the Pittsburgh area. Our clients have spent years working hard, saving diligently, and making responsible financial decisions. They come to us looking for clarity on how all the pieces fit together—from retirement income and tax planning to Medicare, Social Security, and investment management.

As members of the same community, we understand that financial planning is about more than numbers. It's about family, opportunities, generosity, and having the confidence to enjoy the life you've worked so hard to build. That's why every recommendation starts with understanding what matters most to you.

What We Believe

01Clarity over Complexity

When something is complicated, we don't simplify it to the point of uselessness or skip past it because it's hard to explain. We walk you through it until it actually makes sense, because a plan you don't understand isn't really yours.

02People before Products

Every conversation starts with understanding you: where you are, what you're worried about, and what you're hoping to accomplish. We go from there.

03Guidance without Pressure

We show you your options and explain the tradeoffs honestly. What you choose from there is entirely up to you. There's no pitch, no push, and no decision you'll need to sleep off.

04Confidence to Live Fully

What we're working toward is a point where you understand your plan well enough to trust it and can actually enjoy the life you spent decades building.

Meet The TeamThe People Behind Your Plan

The Same Approach, No Matter Who You're Talking To

We are built around the belief that clear information and honest guidance lead to better decisions than pressure ever could, and that principle runs through everything the team does. You'll find the same candid approach in every conversation, whether you're talking with a lead advisor or anyone else on the team.

Kristen Gratton

Kristen K. Gratton, CFP®, RICP®, TPCP®, CPFA®, ChFC®

Managing Partner

Kristen learned this business alongside her dad after years of being certain it wasn't for her, and today lives in Mars, Pennsylvania, with her husband Bryan, their four kids, and a 2025 CrossFit Semifinalist title to her name.


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Bryan Gratton

Bryan Gratton, ChSNC®, CFBS, AEP®

Partner

Bryan began in ministry as a pastor before joining Kristen in financial planning. He founded a special-needs gala serving 500+ guests each year and enjoys reviewing local bakeries on social media. 
 
 
 
 
 
 
 
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Janet Rinker

Janet K. Rinker

Financial Advisor, Relationship Manager

Janet is the proud parent of four grown children with careers in education, business, and healthcare. She has a dog named Lulu and is eagerly looking forward to starting horseback riding lessons. 
 
 
 
 
 
 
 
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Nikki Simoni

Nikki Simoni

Medicare Specialist

Nikki spends her free time at softball fields cheering on her teenage twins, Tessa and Callie. She’s a proud new grandmother of three, including baby Cori, and tends to fifteen chickens—often impressing (or surprising) people.

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Catrina Fritsch

Catrina Fritsch

Executive Assistant

Catrina grew up in a Pittsburgh suburb named for a 19th-century judge. Married 24 years, she spends weekends camping or riding motorcycles with her husband and is proud of her daughter, a veterinary technician at Animal Friends.

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If you've been quietly wondering whether your retirement plan is solid enough to actually live on, the best first step is a conversation. Reach out to schedule a no-pressure introduction, and we'll talk through where you are, what you're working toward, and whether we're the right fit.

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