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Certified Fiduciary Services

Name: Certified Fiduciary Services
Address: 9051 W. Kelton Lane, Ste 7, Peoria, AZ, 85382, US
Telephone: (623) 977-6310
Price range: $$

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Certified Fiduciary Services

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CFS provides Trust and Estate Administration with a focus on personal and financial management servi

11/04/2026

🎉Celebrating 5 years with our Principal Fiduciary, Gwen Kemnitz🎉

As our Principal Fiduciary, Gwen guides every part of how Certified Fiduciary Services cares for the families who trust us. This month we’re celebrating her five-year anniversary with CFS.

Gwen brings more than 25 years of professional experience to her role at CFS. She began her career in healthcare before transitioning into the legal field, where she built a strong foundation as a paralegal specializing in probate, elder law, estate planning, and related areas. Her path gives her a rare understanding of the medical and legal questions seniors and their families face, often during some of the hardest moments of their lives. Today she is a Licensed Fiduciary and continues to bring that depth to every client relationship.

What sets Gwen apart goes beyond her résumé. She brings steady, careful judgment to every case. She leads our team with high standards and real care for the people we serve. When a situation is complicated or emotional, Gwen is the calm, clear voice that helps everyone, from clients to teammates, see the right path forward.

Outside the office, Gwen is an Arizona native who loves spending time with her family, especially her two boys. She’s also deeply involved in her local church and volunteers with faith-based nonprofits in the community.

Gwen, thank you for five years of excellence, integrity, and heart. CFS is better because you’re here, and we can’t wait to see what’s next.

10/28/2026

💙 Learning, Growing, and Connecting!

Our CFS team was grateful for the opportunity to attend the Arizona Fiduciaries Association Fall Conference last week in Flagstaff, Arizona! 🍂

The Arizona Fiduciaries Association typically hosts two conferences each year, providing valuable opportunities for fiduciary professionals to connect, share knowledge, and learn about important topics impacting our field.

At CFS, we believe that continuing education is an important part of providing exceptional service to our clients. We appreciate these opportunities to strengthen our knowledge, learn from fellow professionals, and continue growing as trusted advocates for those we serve.

A big thank-you to the Arizona Fiduciaries Association for hosting another valuable conference! 💙

10/20/2026

💙 Wills vs. Trusts: What’s the Difference?

When planning for the future, understanding the difference between a Will and a Trust can help you make informed decisions for yourself and your loved ones.

📄 A Will

~Outlines how you want your assets distributed after your death.
~Allows you to name a guardian for minor children.
~Generally goes through probate, the court-supervised process for handling an estate.
~Can name a personal representative to manage your estate.

📁 A Trust

~Holds assets that are managed by a trustee according to the trust’s terms.
~Can provide instructions for how and when assets are distributed.
~May help avoid probate for assets properly transferred into the trust.
~Can provide for ongoing asset management if you become incapacitated or after your passing, depending on the trust.

Which one is right for you? A Will and a Trust serve different purposes. The right plan depends on your family, finances, and goals.

At Certified Fiduciary Services (CFS), we understand that planning ahead can help protect your wishes. We encourage you to work with an estate planning attorney to determine the best approach for your situation.

💙 Planning today can help make tomorrow a little easier for those you love.

10/13/2026

💙 Planning Ahead: The Importance of Tax Planning

Tax planning is an important part of managing finances, preserving assets, and protecting long-term financial well-being. Working with a Certified Public Accountant (CPA) can help individuals and families understand their tax obligations, identify potential tax-saving opportunities, and prepare for the future.

📌 What should you discuss with your CPA?

✔️ Required Minimum Distributions (RMDs): Understand when distributions from retirement accounts must begin, how much you may need to withdraw, and how those withdrawals could affect your taxable income.

✔️ Capital Gains: Before selling investments, real estate, or other assets, consider how capital gains taxes may affect your overall financial picture.

✔️ Trust and Estate Taxes: Review potential tax obligations associated with trusts, inheritances, and estate administration.

✔️ Charitable Giving: Explore whether charitable contributions or other giving strategies may provide tax benefits based on your circumstances.

✔️ Income and Tax Withholding: Review income sources, estimated tax payments, and withholding to help avoid unexpected tax bills.

For individuals receiving fiduciary services, proactive tax planning is especially important. At Certified Fiduciary Services, Inc. (CFS), we value collaboration with CPAs, attorneys, financial advisors, and other trusted professionals to help ensure our clients’ financial responsibilities are addressed thoughtfully and on time.

Tax planning isn't just about filing a return—it's about making informed decisions throughout the year. A conversation with your CPA today may help you prepare for tomorrow.

10/06/2026

💙 Are You and Your Loved Ones Prepared?

No one likes to think about end-of-life planning, but organizing important information now can make a difficult time a little easier for the people you love.

Having key personal, financial, and legal information organized in one secure place can help reduce stress, confusion, and unnecessary delays when your family needs it most.

📋 Consider Creating an Important Information Checklist:

☐ Estate planning documents – Will, Trust, Powers of Attorney, Healthcare Directives
☐ Professional contacts – Attorney, fiduciary, financial advisor, accountant, insurance agents
☐ Financial accounts – Bank, investment, and retirement accounts
☐ Insurance policies – Life insurance and annuities
☐ Real estate information – Deeds, mortgages, and property tax records
☐ Recurring expenses – Bills and automatic payments
☐ Safe deposit box – Location and access information
☐ Vehicles – Titles and registration information
☐ Military records – If applicable
☐ Important identification – Social Security number and other key documents
☐ Digital assets – Email, online banking, social media, and password management instructions
☐ Final wishes – Funeral, burial, or memorial service preferences
☐ Important people – Family members, beneficiaries, and emergency contacts

🔐 Remember: This information should be stored securely and shared only with trusted individuals who may need access.

Taking a little time to organize this information today can provide peace of mind for you—and valuable guidance for your loved ones when they need it most.

At Certified Fiduciary Services, Inc., we understand that planning for the future is about more than documents. It’s about creating peace of mind and making sure your wishes and affairs are handled with care.

10/02/2026

🎉 Celebrating Two Milestones at Certified Fiduciary Services, Inc.

This month we're proud to recognize two members of our Estate Administration team: Cindy Ross, celebrating 3 years with CFS, and Rachel Byrne, celebrating her first year! 👏

The families we serve count on us during some of life's most difficult moments. That trust is earned every day through careful, consistent work, and Cindy and Rachel embody it.

✨ Cindy Ross – 3 Years
Cindy brings decades of experience in bookkeeping, payroll, and practice management, and that financial acumen shows in every matter she touches. From reconciling accounts to keeping detailed records, her precision and organization give our clients and their families confidence that every detail is being handled with care. Over the past three years, Cindy has become a steady, trusted presence for both our clients and our team. Outside the office, you'll find her enjoying the outdoors, tending her garden, and spending time with her family and her dogs. 🐾

✨ Rachel Byrne – 1 Year
Rachel joined CFS with a background in banking operations, compliance, and trust administration, and she's made an impact from day one. Her strong grasp of regulatory requirements and commitment to doing things the right way help ensure our work consistently meets the high standards our industry and our clients deserve. When she's not at work, Rachel treasures time with her family, and you'll often find her in the stands cheering on her kids at their sporting events. 📣

What sets both Cindy and Rachel apart is how they work. They collaborate closely with our fiduciaries, care advocates, and administrative team to manage each client's matters thoroughly and seamlessly, so nothing falls through the cracks and every family receives the attention they deserve.

Cindy and Rachel, thank you for your expertise, your integrity, and the heart you bring to CFS every day. We're grateful to have you on our team! 💙

09/29/2026

💡 Ways to Save on Your Utility Bills

Arizona heat can make utility bills a challenge, but there may be programs available to help!

If you or a loved one is struggling with utility costs, consider checking out these resources:

🏠 Arizona LIHEAP – Assistance with heating and cooling costs for qualifying households.
🔧 Weatherization Assistance – Energy-saving home improvements may be available to eligible households.
⚡ APS Assistance – Income-based discounts, crisis assistance, payment arrangements, and other programs.
💡 SRP Assistance – Monthly discounts, energy assessments, payment options, and more.
🏡 Maricopa County Utility Assistance – Local assistance may be available for qualifying residents.
📞 Arizona 2-1-1 – Connect with local resources and assistance programs throughout Arizona.

⭐A good place to start: Contact your utility provider and ask about assistance programs, discounts, payment plans, and energy-saving options.

Programs and eligibility requirements can change, so be sure to check current requirements before applying.

💙 At CFS, we believe that being a Trusted Advocate means helping our clients find resources that can make everyday life a little easier.

09/24/2026

💙 Choosing a Fiduciary?

When you’re looking for someone to help with important financial, estate, healthcare, or personal matters, choosing the right fiduciary is an important decision.

In Arizona, professional fiduciaries are subject to licensing and oversight through the Arizona Supreme Court’s Certification & Licensing Division. Licensed fiduciaries must meet established requirements and maintain their credentials through ongoing education and compliance.

At CFS, we believe being a Trusted Advocate starts with accountability, professionalism, and integrity. We have two licensed fiduciaries in addition to our company license, and we also have several employees currently studying for the licensing exam with the goal of becoming licensed within the next year.

Having multiple licensed fiduciaries within our firm helps us manage a larger and more diverse caseload while providing continuity of service, collaboration, and oversight for our clients.

When you’re trusting someone with what matters most, do your homework, ask questions, and make sure you feel confident in your choice. 💙

09/16/2026

🐾 Meet the CFS Fur Family! 🐾 (Post 2 of 2)

Today, we’re excited to introduce you to some of the CFS team’s beloved pets! 📸❤️

We'd love to see some of your fur babies in the comments!

09/16/2026

🐾 Meet the CFS Fur Family! 🐾 (Post 1 of 2)

At CFS, we know that pets aren’t just pets—they’re family. ❤️ Our staff’s furry companions bring so much joy, comfort, and personality to our lives, and we know how important they are to the people we serve.

That’s why we treat our clients' pets with the same love, attention, and compassion we would give our own fur babies. 🐶🐱🐾 Whether it’s coordinating their needs or helping carry out plans for their future, we understand that their well-being matters, too.

Today, we’re excited to introduce you to some of the CFS team’s beloved pets! 📸❤️

Because caring for our clients means caring for everything—and everyone—they love. 🐾

We'd love to see some of your fur babies in the comments!

Address

9051 W. Kelton Lane, Ste 7
Peoria, AZ
85382

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

(623) 977-6310

Website

http://www.cfsarizona.com/

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