As a CERTIFIED FINANCIAL PLANNER ^TM I strive to provide my clients and their families with confidence in knowing I can help guide and assist them in obtaining their financial objectives. I do this by providing comprehensive investment advice, creative solutions, and sensible investment strategies. Our planning process offers independent investment consulting services designed to help clients maximize wealth. Initial consultations are without charge or obligation.

I currently hold several securities registrations and insurance licenses on a State and Federal level as well as a NJ Real Estate License. In 1979, I graduated with a Bachelor of Science from West Chester University, West Chester, PA. I have completed my course of study and received the CERTIFIED FINANCIAL PLANNER ^TM designation from the College of Financial Planning in Denver, Colorado.

I began my career in Financial Services with Prudential in 1979. In 1984, I began working with American Express Financial Advisors where I received extensive training and education in the financial planning process. In 1988, I opened my own independent financial planning practice. We are a managing field office of FSC Securities Corporation. We are also members of the Certified Financial Planner Board of Standards for CFP® professionals located in Washington, DC, a professional organization solely for financial planning professionals.

As a Personal Financial Planner and Financial Advisor, I give my clients and their families confidence in their investments.  I do this by providing comprehensive investment advice, creative solutions, and sensible investment strategies that help them reach their financial objectives. Our planning process offers independent, conflict-free investment consulting services designed to help clients maximize wealth. 

I currently hold several securities and insurance licenses on a State and Federal level.  In 1987 I graduated with a Bachelor of Science degree from West Chester University, West Chester, PA.  I also attended Moravian College, Bethlehem, PA, to further my education and pursue a second undergraduate degree in Accounting. Currently, I am enrolled in the College for Financial Planning and plan to sit for the CFP^(R) exam in the future.

I began my career in 1987 as a Junior Accountant with a small family owned vending corporation. In 1989, I started working for a subsidiary of Corning Incorporated as a Staff Accountant.  In 1994, I joined Tomorrow’s Financial Services (TFS), Inc., a full service financial planning firm located in Lincroft, NJ.  There, I received extensive training and education in the financial planning process.  I presently operate a branch office of FSC Securities Corporation, a registered broker dealer firm and member of FINRA/SIPC headquartered in Atlanta, Georgia. FSC was established in 1958 and is part of the Advisor Group and one of the largest independent broker dealer networks nationally. 

Karen joined the KFS team in 2020 and has a B.S. in Finance from Lehigh University. She worked in NYC for 7 years as an auditor and commodities trading analyst for Chase Manhattan Bank.  During the 21 years that she stayed home to raise her children, she served on many PTO and booster club executive boards as Treasurer and Vice President.  She enjoys volunteering at St. Magdalen de Pazzi church with the Homebound Senior group, ChristLife program,  and on the fundraising and events committee. 

Josh began working for Kucharski Financial Services in September of 2020 as an intern. He is expected to graduate from Muhlenberg College, in Allentown, PA in 2023, majoring in Business Administration and minoring in both Anthropology and Sustainability Studies. Josh is a collegiate athlete and plays Varsity Soccer at Muhlenberg.  He also serves as a tour guide and school ambassador. While at Kucharski Financial Services, Josh will be specializing in expanding the social media outreach programs, system integrations as well as client relations.

Ryan started with Kucharski Financial in November 2015 working as an analyst for our Mutual Fund models as well as paraplanning assistant. He has since built out our advisory models that have developed into one of our main investment vehicles. He is also in charge of website design and directing marketing campaign for business development. He graduated from West Chester University, in West Chester, PA with a Bachelor of Science in Finance in May 2018. He has since started his career in the Financial Services by completing his Series 7 exam. Ryan will continue working on getting certifications with his Series 66 and Life and Health Insurance Licenses, as well as working toward his CFP certification.

In his free time, Ryan enjoys playing with his dog, Maui (a golden retriever/beagle mix), snowboarding, or spending time cheering on his favorite team, the New York Mets, with his friends and family.