IT'S YOUR JOURNEY ... WE GUIDE YOU THROUGH.

WELCOME

We are a full service independent financial consulting firm offering comprehensive Financial Plans, Asset Management, and Risk Management products and services. Our team is led by Tamara S. Kukainis, CFP®. Throughout the years, we have successfully guided our clients through every market situation and economic cycle – and have assisted them in meeting the challenges of every stage of their lives.

Why Choose Schwartz Financial as your Financial Planning Partner? We will help you determine the path that is right for you and take the journey together. We help you understand where you are in your financial life, by pulling all the pieces together for you. We help you define where you want to be by focusing on your goals – short, medium, and long term – and we create a plan for you to reach those goals. Our team approach, from our in-office staff to our broad professional alliances, will help you “get there”.

OUR STORY

One of the things that makes us unique in the financial services industry is our longevity. Julian Schwartz started the practice in 1958, when the industry was in its infancy. He was a founding member of the International Association of Financial Planners, the pre-cursor to the current Financial Planning Association. He had an intense commitment to his clients and strong work ethic. “We have grown our business to provide cutting-edge services while carrying on my father’s tradition of helping people and businesses grow and succeed.” The staff and affiliates of Schwartz Financial share this commitment to our clients and maintain the highest standard of integrity. The industry is ever-evolving and we stay current through continuing education and involvement with colleagues to provide our clients with “Wall Street” experience with a “Main Street” personal touch.

Trust in your Financial Professional is integral to the client-advisor relationship. You can be assured of our commitment and dedication to your financial success.

OVERVIEW OF SERVICES

“It’s your journey…we guide you through” is more than just a tagline. It expresses our value proposition to you and defines what we believe in and what we do each day. We do so by offering the following services:

Planning & Consulting

We create customized financial plans that are designed to help you reach your personal and professional goals.
These plans can encompass cash flow analysis, asset allocations, risk management assessments, and tax and estate planning options.
We provide retirement strategies and analyses to create financial projections and structure timing.

Risk Management

We do an assessment of risk in your family and business structure. From that analysis, we create a needs-based plan for the types of insurance needed to address these risks.
Pre-underwriting is done when needed to determine most likely carrier approval.
Because we are independent, we can place your business with any insurance company. Life insurance plans offered include level premium Term Life, Universal Life and Variable Life. Survivorship Life, Keyman, and Buy/Sell funding insurance are available through multiple carriers.
Equally as important and often overlooked are Disability Income and Long Term care insurance plans. We find the most appropriate product and carrier for your needs.

Investment Management

Portfolio management through Elite Advisory Services, offering a comprehensive fee-based approach to wealth management
Consolidated financial reporting through eMoney
Regular meetings to review progress toward goals
Traditional and ROTH IRAs offered on a variety of platforms, including mutual funds and brokerage accounts
Variable annuities are available through numerous vendors and are carefully evaluated for suitability
Fixed annuities and Immediate annuities to provide cash flow payments

When a loved one requires care

Whether it is a spouse, a parent or another relative or friend – it is difficult for all those involved. We assist you in the decision-making process and work with attorneys to ensure all eligible benefits are utilized. We establish an asset management program to help provide steady income to pay for care and living expenses and communicate with your tax and legal professionals.

Death or Divorce

In the case of the loss of a spouse through death or divorce, we will refer you to attorneys and/or qualified accountants who can assist you in the settlement of your estate or in the divorce or mediation process. We can act as your liaison between all involved parties to assist in a smooth transition to financial independence. We can re-register accounts, set up new investment programs, change beneficiaries and help you create a budget. Most importantly, we help you make rational and timely decisions on all your financial matters.

OUR STAFF

Check out the backgrounds of these investment professionals on FINRA’s BrokerCheck.

Tamara S. Kukainis, CFP®

President

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TAMARA S. KUKAINIS is a CERTIFIED FINANCIAL PLANNER™ certificant, and has been presiding over SCHWARTZ FINANCIAL since 1997. She is currently a Registered Representative of Cetera Advisor Networks, as well as an Investment Advisor Representative of Vicus Capital, Inc. and an Independent Insurance Agent. She began her career in the financial planning industry in 1987 and has since expanded the practice to include full-service brokerage accounts, an enlarged in-house client support staff, professional portfolio management and custom-designed employer-sponsored retirement and insurance plans. Mrs. Kukainis holds a BA in Economics from Rutgers University in New Brunswick, NJ. Her professional background includes corporate banking and cash management.

Tamara Kukainis is securities registered in AZ CA CO CT DC DE FL GA IL KS LA MA MD ME MI MN NC NJ NM NY OH PA SC TX VA. This shall not be deemed to be a solicitation or offer of securities where Tamara Kukainis is not registered.

Marie Grabowski

Sr. Account Manager/Licensed Insurance Agent

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MARIE GRABOWSKI is a NJ Licensed Insurance Agent and specializes in insurance policy reviews and updates. Her areas of expertise include Life and Long Term Care Insurance. Marie also functions as our Senior Account Manager, handling new business implementation for all client relationships. She has been a valuable associate of Schwartz Financial since 1998.

Taylor Venanzi

Financial Planning Associate

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Taylor Venanzi is a Registered Sales Assistant of Cetera Advisor Networks, as well as an Investment Advisor Representative of Vicus Capital, Inc. Prior to joining Schwartz Financial Associates, Taylor worked as a Bank Regulator for the Office of the Comptroller of the Currency in New York City. Taylor holds a BS in Finance from Penn State University in State College, PA. His primary duties consist of developing and implementing personalized financial plans for Schwartz Financial clients and working with clients on an ongoing basis to review and update their plans.

tvenanzi@schwartz-financial.com

Shari Plevinsky

Client Services Manager/Compliance Administrator

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Shari Plevinsky is our Client Services Manager and cheerfully handles all customer service requests. Shari also is responsible for Compliance Administration, Bookkeeping and Appointment Scheduling. Shari brings many years of valuable experience to our firm.

Daniel Kukainis

Financial Advisor

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Daniel Kukainis is a Financial Advisor at Schwartz Financial. He is a Registered Representative of Cetera Advisor Networks, an Investment Advisor Representative of Vicus Capital, and a NJ Licensed Insurance Agent. Prior to joining Schwartz Financial, Daniel successfully completed AT&T’s leadership training program and managed a number of retail company stores. He subsequently gained experience as a Financial Services Representative for TD Bank. Daniel holds a BA in Economics and History from Rutgers University in New Brunswick, NJ. His primary duties include working with next generation Schwartz Financial clients, creating and implementing marketing and social media outreach, and providing ongoing Financial Planning Services. Daniel’s number one goal is to provide superior customer service to all of our clients.

dkukainis@schwartz-financial.com

Phyllis Pearl

Financial Consultant

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Phyllis Pearl is a Registered Sales Assistant of Cetera Advisor Networks LLC. Phyllis has a BA in Marketing from the University of Maryland, and uses her many years of investment and insurance management experience as our Financial Consultant.

AFFILIATES & STRATEGIC ALLIANCES

JOSEPH W. BOWLEY & CO., LLP

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For over 15 years, we have been privileged to partner with an accounting firm that shares our values and commitment to our clients. Through this affiliation, our clients have access to top-notch tax advice, tax planning and Individual, Business, Estate and Trust tax preparation.

Joseph W. Bowley & CO., LLP
27 W. Church Street, Blackwood, NJ 08012
tel. 856-228-8006

Joseph W. Bowley, CPA

Joseph is a managing partner at Joseph W. Bowley & Company, L.L.P. He has over thirty five years of relevant tax and audit experience. Licensed in New Jersey and Pennsylvania and has a diversified background in providing accounting and auditing services to individuals, businesses, Non-Profits and Government.

Jeffrey Bowley, CPA, MT

Jeffrey Bowley, an accountant at Joseph W Bowley & Co. LLP, joined the firm in 2012 after serving as a Sr. Associate at MorganFranklin Corporation, a financial consulting firm in the Washington, DC Metro area. Jeffrey is a Pennsylvania State University graduate with a B.S. in Accounting from the Smeal College of Business. Jeffrey also holds a Masters Degree in Taxation from Villanova University, accompanied with a certificate in Estate Planning. Follow him on twitter @JeffBowley

VICUS CAPITAL
(formerly PFG Financial Advisors)

Vicus Capital is the Registered Investment Advisory firm through which we are registered and assets are managed. Vicus Capital has helped us be on the cutting-edge of financial services through the establishment of programs such as the open architecture Elite Advisory Services asset management account, and our eMoney Financial Planning platform. Our eMoney clients can access their net worth and cash flow statements online as well as a variety of financial planning reports.

CETERA ADVISOR NETWORKS LLC

is our Broker/Dealer and provides us with state-of-the art technology. Our clients can access their mutual fund, annuity and brokerage accounts online 24/7 through the Albridge portal, accessible via our website.

PERSHING LLC and FIDELITY INVESTMENTS

are the two clearing firms through which our clients may have accounts. Both clearing firms offer cash management accounts, paperless options, and account information via our website.

PFG RISK MANAGEMENT

is the division of PFG that helps us streamline our clients’ insurance application process. Through direct relationships with a number of large insurers and with ASH BROKERAGE, a brokerage general agency, they help us with pre-underwriting determinations, price and product comparison, and insurance policy placements.