Karl Graf

Karl works primarily with business owners and executives, many of whom he has helped for years as they accumulated and grew their wealth. He enjoys helping them ease into their next phase in life, taking the pressure of complex financial concerns off their shoulders, so they can wind down that active working lifestyle and fully enjoy the benefits of their hard work. Karl has spent decades working in financial services as a CPA, Personal Financial Specialist and founder and owner of his own financial planning firm. Karl feels that the trust he has built with his clients is a result of transparent and clear communication, listening to their needs and aspirations, and as a CFP® professional, always putting their interests first. Karl works primarily with business owners and executives, many of whom he has helped for years as they accumulated and grew their wealth. He enjoys helping them ease into their next phase in life, taking the pressure of complex financial concerns off their shoulders, so they can wind down that active working lifestyle and fully enjoy the benefits of their hard work. Karl feels that the trust he has built with his clients is a result of transparent and clear communication, listening to their needs and aspirations, and as a CFP® professional, always putting their interests first.

Prior to joining Modera, Karl spent decades working in financial services as a CPA, Personal Financial Specialist and founder and owner of his own financial planning Graf Financial Advisors, LLC, a fee only wealth management and financial planning firm. Karl is a Certified Public Accountant (CPA), Personal Financial Specialist (PFS) and holds the CERTIFIED FINANCIAL PLANNER® certification with broad experience in financial counseling and wealth management services. He has been asked to speak about and has been published on various personal financial planning issues. Karl has been interviewed on national and local television, including CNN’s “Your Money.” Karl is an honors graduate of Upsala College. He is a member of the National Association of Personal Financial Advisors (NAPFA), the American Institute of CPAs (AICPA) and the New Jersey Society of CPAs (NJSCPA). He has served as a director of the Bergen County
Chapter of the New Jersey Society of CPAs and as chairman of the Personal Financial Planning Committee of the New Jersey Society of CPAs.

Karl has devoted considerable time and energy to charitable endeavors, primarily as a volunteer for the American Cancer Society. He spent several years serving in various roles including as Chair of the Board of Directors of the North Jersey Chapter. Additionally, he was co-chair for planned giving activities for its New Jersey Division. This role involved speaking to potential donors about estate planning and how they could benefit charities while also remembering their heirs. In his spare time, he enjoys being outdoors (hiking, biking and kayaking) and travel.