Broker Check

At Kucharski Financial Services, clients come first.

With over 30 years experience, we have found that a team approach is the most effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. This coordinated client-centered approach has far-reaching benefits for our clients to get opinions from several sources with diverse backgrounds, education, and experience.  

We commit ourselves to our clients’ financial goals as if they were our own. Our clients in return seek a committed relationship that is equally beneficial for both parties. We serve as your financial guide and proactively answer your questions and provide the resources you require to make educated decisions that will serve your best interests and objectives. 

Finding Your Fit

We have access to independent research on the economy and the markets. The need to be objective and independent is greater than ever with increased changes in the economy and unsettling market volatility. This access allows us the freedom to offer clients strategies to manage the challenges of wealth accumulation and management.  As a group of independent advisors we have no proprietary investment offerings or products allowing us to ensure the advice you receive is objective.

Client Centered

No one strategy fits everyone, which is why every client gets our undivided attention—from planning to execution to follow-up. We take a proactive approach to helping you develop a strategy to address your financial goals and objectives.

Recognizing that everyone encounters challenges along the way, we strive to anticipate and address those situations as they occur. We want to keep you on track toward a meaningful and purpose-driven financial future.

We invite you to check out all the material on our website. If you have any questions, please send us an email or call the office. We look forward to speaking with you.

Edward B. Kucharski, CFP®




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.

On a personal note, I have been happily married for 37 years and am extremely proud of my 2 children and their spouses.  As I await grandchildren, I spend time on the golf course, going to car shows and tending to our horse, dog and 2 barn cats.

Michael Tekin

Financial Advisor



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. 

Doug Raggio

Registered Representative


Doug joined Kucharski Financial Services in 2014 and manages our satellite office in Marlton, New Jersey.  He started in the financial service industry in 1991 with John Hancock Insurance in Mt. Laurel, NJ.  This afforded him a strong background and understanding of Life, Health and Disability insurances.  In 1994 he joined FSC Securities as an Independent Advisor.  Doug attended Rowan College of South Jersey and Rowan University in Glassboro, NJ graduating with a degree in Business Administration focusing on Small Business Management.

Doug currently holds a Series 6, 7 and 63 certification and a Life and Health Insurance license. He presently operates a branch office of FSC Securities Corporation in Wenonah, NJ, a registered broker dealer firm and member of FINRA/SIPC headquartered in Atlanta, Georgia.  FSC was established in 1958.

Doug has always been very civic minded as he was a Volunteer Firefighter for 12 years, and still maintains a New Jersey EMT certification.  He currently serves as the Board Chairman for the Washington Township Ambulance and Rescue Association in Turnersville, NJ.  He has been with them for over 37 years.  He enjoys spending time with his son, twin daughters and Donina, at the beach and cheering on the Philadelphia Phillies and Eagles.

Karen Veninger

Executive Assistant

908-782-7200 ext 106


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. 

Justin Aimone


908-782-7200 ext 105

Justin began working for Kucharski Financial Services in June of 2021 as an intern. He is expected to graduate from The University of Delaware in 2022 with a degree in Finance and minoring in Economics. Justin is also a former collegiate athlete as he played for the Division 1 Lacrosse Team at Delaware during his freshman year. He has a variety of business and sales experience and consistently strives to learn and develop professionally. Justin will be focusing on expanding our social media outreach programs, special events and client relations.

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