Coleen Kramer Beal is a dedicated Financial Advisor with Velnoskey Wealth Advisors of Janney Montgomery Scott, where she has been serving clients since 2005. With a passion for building enduring client relationships and helping families make confident financial decisions, Coleen plays a key role in delivering private wealth and legacy planning strategies that reflect clients’ values, goals, and multigenerational aspirations.
Within the team, Coleen specializes in insurance solution strategy, guiding clients through risk management decisions that support long-term wealth preservation, retirement readiness, and family protection. Her credentials—including the Certification in Long-Term Care (CLTC®), Accredited Wealth Management Advisor℠ (AWMA®), and Certified Divorce Financial Analyst® (CDFA®)—reflect her commitment to offering thoughtful, personalized solutions across life stages, including divorce planning, estate administration, and long-term care planning.
Before joining Janney, Coleen worked with the team at Morgan Stanley and its predecessor firms. Earlier in her career, she served as Assistant Vice President and Branch Operations Manager at Prudential Securities in Destin, Florida. She earned her bachelor’s degree magna cum laude in Legal Administration from the University of West Florida.
Coleen is also instrumental in shaping the team’s community engagement and client experience initiatives. She proudly earned Janney’s Values Award in 2016, served as the first Chairperson of the Janney Private Client Associate Council, and currently holds a leadership role within Janney’s Women’s Interactive Network (WIN) as Chair of the Mid-Atlantic Chapter (MAC WIN).
Giving back to the community is a personal and professional priority for Coleen. She serves on the Board of Directors for the Carroll County Chamber of Commerce, the Carroll Community College Foundation, and the Marriage and Relationship Education Center (MREC). She is also a Founding Member and Chair of the Carroll County Women’s Conference. Her extensive volunteer work has been recognized with Honorable Mentions for the Invest in Others Awards in both 2023 and 2024.
Raised in an Air Force family, Coleen understands the unique financial and emotional dynamics military families face. Her oldest child currently serves in the U.S. Navy. Now that her children are grown, Coleen enjoys life with her husband, their three energetic Tamaskans, five rescue cats, and most recently, their first granddaughter, born in May 2024.