Our Team

Phone: (415) 892-1040

Karen Carlozzi, CPA


  • Office: 4158921040 ext. 104
  • Karen@kfacpa.com

Karen has been in public accounting since 2008, specializing in taxation.  Karen’s specialty is providing tax and consulting services for small to medium businesses, income tax preparation for individuals and trusts as well as estates.  Karen works with a wide variety of businesses and owners, including real estate, restaurants, and professional services.  She specializes in high-net-worth individuals and estate and trust administration.  Karen finds the most rewarding part of her profession is to offer her clients with up-to-date industry and individual specific tax guidance, assisting them in resolving issues with taxing authorities and becoming part of their success stories. 

Karen began her career in public accounting at KPMG in Oakland.  She also has experience working in the private sector at Chevron, USA. However, her passion has always been public accounting. 

Karen is a licensed CPA and holds a Master of Science in Taxation from Golden Gate University. Her undergraduate degree is from St. Mary’s College of California, where she played Division 1 college basketball. 

Karen was raised in Marin County but currently lives in Sonoma County where she  raised her three sons. She enjoys playing tennis and golf in her spare time.   Karen plays competitive tennis and is a member of teams competing at regional and national levels. Her favorite hobby, however, is spending time with my family.

Kenneth Frank, CPA/ABV, CFF


  • Office: 4158921040 ext. 0
  • Ken@kfacpa.com

I have been in public practice since 1984 starting in the "Big 8" at what is now called Deloitte Tax and eventually opening my own practice in 1991. My firm now has 7 professionals/paraprofessionals. We handle a variety of high-end tax issues and industries as well as litigation support services in a wide range of family and civil law matters.

Patrick Rinehart, CPA

Tax Manager

  • Office: 4158921040 ext. 104
  • Patrick@kfacpa.com

Patrick joined our firm in 2019 but he brings over 12 serving business owners and fiduciaries with tax planning, tax compliance, and general accounting. He specializes in high net worth individuals and estate and trust administration.

As a specialist in Real Estate and Trust taxation, Patrick enjoys working with small business owners, investors, and fiduciaries to help them maximize profits, minimize taxes, and resolve accounting issues. 

He grew up in Indiana and earned a BS and MS in Accounting from Ball State University Northridge. He is a licensed CPA in California.

When away from the office, Patrick enjoys spending time outdoors with his family.

Prema Sanmugam, CPA

Tax Director

  • phone: 415-892-1040 ext. 103
  • Prema@kfacpa.com

Prema Sanmugam, CPA, has 30 years of experience working in public accounting, including four years in the private sector as a Controller for a provider of onsite power. Her proficiency reaches beyond taxation to financial reporting in accordance with GAAP. Prema is well-versed in tax planning and compliance involving consolidated, multi-state corporations, S Corp., Partnership, LLC, not-for profit organizations and individual tax returns. Her experience also includes audit and accounting of privately held corporations and not-for profit organizations.  Prema specializes in high-net worth individuals as well as real estate and corporate taxation.  

Her accounting career began in the United Kingdom where she earned the Chartered and Cost Management credentials. In 1989 she set sail for the US and added Certified Public Accountant to her professional licenses. She worked for 12 years as a Senior Manager at Actis-Grande, Ronan & Co LLC, Certified Public Accountants, Connecticut before she moved to the Bay Area in 2015. She worked at Calegari and Morris, Certified Public Accountants as a Senior Accountant for three years before joining Kenneth Frank Accountancy as a Tax Director. A Certified Public Accountant in California, she is a member of the California Society of CPAs.

Prema enjoys giving back to the community and has served as Treasurer for charitable organizations. In her free time, she enjoys travelling, gardening and watching sports.