Kuleck Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
10
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
10
LowAverage account size
$0
About
The firm serves individual clients seeking financial planning, financial coaching, investment consultation, and related services, and it also offers personal income tax return preparation and periodic educational workshops. Rather than providing continuous portfolio management or custody of client assets, the firm delivers consultative engagements and limited‑scope planning sessions and does not use percentage‑of‑AUM fee arrangements.
In developing recommendations the firm commonly relies on fundamental analysis and emphasizes multi‑asset diversification, frequently using the 7Twelve portfolio model with equally weighted funds and periodic rebalancing, and prepares investment policy statements to reflect clients’ objectives and risk tolerances. Advice typically favors tax‑efficient, low‑cost mutual funds and ETFs when practical, and services can be delivered as modular or broad financial plans, short real‑time planning sessions, or year‑long financial coaching engagements.
Compared with many peers, the firm’s offering of public educational workshops together with bundled tax preparation and a structured 12‑month coaching program is atypical for an independent adviser of its size. The practice maintains a very small client roster and a consultative, client‑directed implementation model rather than discretionary, ongoing portfolio management.
Client services
Financial planning
Educational seminars or workshops
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General estate planning guidance
Fee options
12-month Financial Coaching Engagements: $1,200 to $3,000 depending on client type; Educational workshops: $100 per session per person
$150 per hour billed in 15-minute increments
Fee-only: Hourly fee of $150 per hour billed in 15-minute increments; 12-month Financial Coaching Engagements fees range from $1,200 to $3,000 depending on client type; Workshop fee of $100 per session per person
Main office location
Kuleck Financial Planning
Emporium PA, United States
Number of offices
1
Most active in
Kuleck Financial Planning has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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