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Dave Ramsey Smartvestor Advisor


Not every financial

advisor is a

Dave Ramsey SmartVestor Pro.

Dave Ramsey is a New York Times Best Selling author and nationally recognized talk show host and podcast personality. His show reaches 16 million combined listeners every week!  Kucharski Financial Services is passionate about the mission of Dave Ramsey and strives to help individuals, families and businesses understand the habits and processes that can assist them in pursuing financial independence. We agree with Dave when he says, "You must gain control over your money or the lack of it will forever control you".  We have helped many Dave Ramsey listeners take control of their money and we can help you too.

SmartVestor Pros are knowledgeable investment professionals;  Edward Kucharski, Certified Financial Planner CFP® proudly serves as your SmartVestor Pro in Central New Jersey.

What is a SmartVestor Pro?

A SmartVestor Pros is a knowledgeable financial professional.  In order to be included in the SmartVestor Pro program, the advisor must undergo a detailed interview process and subscribe to the ideal way to build wealth and save for retirement through debt elimination and long-term investment.  We are committed to helping you pursue this goal.

Why use a SmartVestor Pro?

There are a lot of financial professionals out there but they are not all the same.  Dave Ramsey felt it was important to create a network of financial advisors, wealth advisors and financial planners to take care of you and your investments.  SmartVestor Pros are advisors who provide advice just like Dave Ramsey does.  I am honored to be a collaborative partner in your financial life, helping you to plan for your future.


Save $1,000<br/>for Your Starter Emergency Fund

Save $1,000
for Your Starter Emergency Fund

In this first step, your goal is to save $1,000 as fast as you can. Your emergency fund will cover those unexpected life events you can't plan for. And there are plenty of them. You don’t want to dig a deeper hole while you’re trying to work your way out of debt!

&#160;Pay Off All Debt<br/>(Except the House) Using the Debt Snowball

 Pay Off All Debt
(Except the House) Using the Debt Snowball

Next, it’s time to pay off the cars, the credit cards, and your student loans. Start by listing all of your debts except for your mortgage. Put them in order by balance from smallest to largest. This is called the debt snowball method, and you’ll use it to knock out your debts one by one.

Save 3&#8211;6 Months<br/>of Expenses in an<br/>Emergency Fund

Save 3–6 Months
of Expenses in an
Emergency Fund

You’ve paid off your debt! Don’t slow down now. Take that money you were throwing at your debt and build a fully funded emergency fund that covers 3–6 months of your expenses. This will protect you against life’s bigger surprises, like the loss of a job or your car breaking down, without slipping back into debt.

Invest 15% of<br/>Household Income in Retirement

Invest 15% of
Household Income in Retirement

It's time to get serious about retirement—no matter your age. Take 15% of your gross household income and start investing it into your retirement. Start with your company’s 401(k) plan and receive the full employer match. Invest the rest into Roth IRAs—one for you and one for your spouse (if you’re married).

Save for Your<br/>Children&#8217;s College Fund

Save for Your
Children’s College Fund

By this step, you've paid off all debts (except the house) and started saving for retirement. Next, it's time to save for your children’s college expenses (that is, if they make it through Algebra II and Chemistry unscathed). We recommend 529 college savings plans.

Pay Off Your Home Early

Pay Off Your Home Early

Now, bring it all home. Baby Step 6 is the big dog! Your mortgage is the only thing between you and complete freedom from debt. Can you imagine your life with no house payment? Any extra money you can put toward your mortgage could save you tens (or even hundreds) of thousands in interest.

Build Wealth and Give

Build Wealth and Give

You know what people with no debt can do? Anything they want! The last step is the most fun. You can live and give like no one else! Keep building wealth and become insanely generous. Leave an inheritance for your kids and their kids. Now, that's what we call leaving a legacy!

The SmartVestor program is a directory of investment professionals. 
Neither Dave Ramsey nor SmartVestor are affiliates of Kucharski Financial Services LLC or LPL Financial.

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