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Karen Kruse, CFP®, CRC®

Karen Kruse

Karen Kruse, CFP®, CRC®



  • 21 years of financial services experience
  • Areas of expertise include all aspects of financial planning, non-qualified and qualified retirement plans, investment management and analysis, insurance, trust services, foundation and endowments, retirement planning and advisory services


  • Bachelor of Arts in Journalism from the University of Memphis
  • Masters of Business Administration in Finance from University of Memphis


  • Certified Financial Planner Professional (CFP®) from the College of Financial Planning
  • Certified Retirement Counselor (CRC®) from InFre
  • Financial Industry Regulatory Authority License 7, 63, 65, 24
  • Insurance licensed in areas of life and health


  • Trustee – WKNO Public Television and Radio
  • Trustee – Youth Striving for Excellence
  • Mentor/Tutor – Street Ministries

Insurance Products, Investments & Annuities: Not A Deposit | Not Guaranteed By The Bank Or Its Affiliates | Not FDIC Insured | Not Insured By Any Federal Government Agency | May Go Down In Value
Insurance Products and Annuities:  May be purchased from any agent or company, and the customer’s choice will not affect current or future credit decisions.

FTB Advisors is the trade name for wealth management products and services provided by First Tennessee Bank National Association (FTB) and its affiliates.  Financial planning and trust services provided by FTB. Investment management services, investments and annuities provided by FTB Advisors, Inc. member FINRA, SIPC and a subsidiary of FTB.  Insurance products provided by FTB Advisors Insurance Services, Inc. (FTBIS). In some states, insurance products and annuities are provided by First Horizon Insurance Services, Inc. (FHIS), a Tennessee corporation and a subsidiary of FTB, CA License #OD12174. The principal place of business of FHIS is 165 Madison Ave., Memphis,TN. 38103. 

FTB Advisors, Inc., FTBIS and FHIS may offer annuities or transact insurance business only in states where they are licensed or where they are exempted from state insurance licensing requirements.  FTB Advisors does not offer tax or legal advice.  You should consult your personal tax and/or legal advisor concerning your individual situation.

©2013 First Tennessee Bank National Association. www.firsttennessee.com