Kristin joined Northwestern Mutual in 2009 when people needed more help than ever with their financial security planning. She left a career in property and casualty insurance to pursue the entrepreneurial opportunity and relationship-focused work of financial planning. Kristin wanted to work with clients through the various phases of their lives.

Kristin is known as a leader in both the community and Northwestern Mutual.

In 2016, she 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. 

Professionally, Kristin was recognized in 2020 by being named one of America’s Top 500 Women Wealth Advisors by Forbes as well as making it on the Working Mother & Shook Research Top Wealth Advisor Moms list! She’s also been recognized as one of the top 200 advisors at Northwestern Mutual and is routinely a guest speaker at company regional and annual meetings. Although she doesn’t prefer the limelight or a big stage, Kristin continues on as a role model for advisors, both new and seasoned. She attributes her professional growth to continual learning, effectively listening and communicating, and recommending the right strategies for her clients at the appropriate time.

Kristin’s grandmother, Jean, was only 42 when she lost her husband. She had two young children then, ages 13 and 15. Today, at age 95, Jean still lives without financial worry due to the planning that was put in place so many years ago. It’s that kind of impact which drives Kristin’s passion for financial planning every day.

Kristin lives in Alamo, CA with her daughters Samantha (born in 2013), and Robin (born 2015). Her family is her pride and joy. When not working, being a Mom or volunteering, Kristin enjoys cooking, entertaining, hiking and leading her professional team to new opportunities.


  • BS in Psychology, University of Colorado at Boulder (2002)

Professional Designations, Licenses & Certifications:

  • FINRA Securities Licenses: 7, 6 & 63
    The CERTIFIED FINANCIAL PLANNER™(CFP®) certification is one of the most recognized financial planning marks in the world. CFP® certification identifies to the public those individuals who have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence when dealing with clients. The certification differs from an educational designation or state license in that it is based upon requirements that have been determined by extensive job analyses of actual practitioners in the field, and therefore, continue to evolve with the profession. The CFP® certification prepares the financial services professional for a career-long commitment to meeting the ever-changing financial needs of clients.
  • Chartered Life Underwriter (CLU®)
    The Chartered Life Underwriter (CLU®) designation has long been recognized as the fundamental and foremost educational credential for life insurance professionals. Since 1927, more than 94,000 individuals have earned their CLU®, helping them build a successful life insurance practice by providing clients with knowledgeable and ethical advice. For financial representatives, field management, home office personnel, and others involved in providing life insurance products to the public, the CLU® designation symbolizes continuing growth and commitment to professionalism.
  • Retirement Income Certified Professional designation (RICP®)
    The RICP® designation prepares advisors to:
    • create effective retirement income plan to maintain a client's desired lifestyle over the course of retirement,
    • identify retirement income needs and objectives and evaluate the client's current situation relative to their goals,
    • help a client determine the optimal retirement age,
    • choose appropriate annuities for the retirement income plan, and 
    • create and manage retirement income portfolios appropriate for each client's situation.
  • Chartered Financial Consultant (ChFC®)
    ​​The Chartered Financial Consultant (ChFC) designation focuses on the comprehensive financial planning process as an organized way to collect and analyze information on a client's total financial situation; to identify and establish specific financial goals; and to formulate, implement, and monitor a comprehensive plan to achieve those goals. The ChFC program provides financial services professionals with in-depth knowledge of the skills needed to perform comprehensive financial planning for their clients.
  • Wealth Management Certified Professional (WMCP®)
    The WMCP® program includes dozens of topic not available in conventional investments education as well as interviews with over 100 expert academics and practitioners. WMCP® designation holders are equipped to:
    • Implement investment plans for a range of client goals including retirement, estate, small business planning, education, housing, and legacy.
    • Develop a deep understanding of investments and financial products and how they can be used to meet client goals.
    • Identify client tax characteristics and evaluate account strategies that can provide the highest after-tax performance using traditional, Roth, and taxable accounts.
    • Address the importance of human capital, including the risk of premature death, disability, and the integration of earnings into an investment portfolio.
    • Strategically use life insurance products.
    • Help clients effectively manage risk.
    • Account for client emotions and behavior to help investors reach long-term goals.

Kristin Adelson Bartlow, CFP®, CLU®, RICP®, ChFC®, WMCP®
Wealth Management Advisor

Bartlow Wealth Management, Financial and Insurance Services


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