window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'UA-45501574-1', { 'anonymize_ip': true });

Karl H. Graf, CPA/PFS, CFP®

Principal & Wealth Manager

Karl H. Graf, CPA/PFS, CFP®2019-07-25T14:29:05+00:00
Karl H. Graf CPA/PFS, CFP®

Karl’s main responsibilities include helping clients develop their financial plans, implementing wealth management strategies and managing clients’ investment portfolios.

Professional Designations:

CPA/PFS, CFP®

Education:

Upsala College, honors graduate

What sparked your interest in financial planning?

My interest in financial planning was sparked early in my accounting career. As a CPA it seemed to me at that time that much accounting work is oriented towards the past, what happened and why.  Certainly, there are some forward-looking aspects but my perception then was that most clients were not that happy to see us (perhaps because I was an auditor at the time).   Personal financial planning interested me because it was forward-looking, that helps clients impact their future outcomes in a positive way with our advice.  That was a very important motivating factor that helped move me towards financial planning as a career.   Being a CPA I also only focused on fee-only planning, which was somewhat of a rarity back then. To me, that was the only way that I could provide financial planning services.

What’s the one thing people say you’re best at?

Getting to the heart of the matter, seeing the essence of an issue or problem, to be able to focus on the REAL issue and communicate that to the client in a clear, understandable way.  Then helping to solve the problem or address the issue as completely and simply as is practical given the circumstances.  

What do you enjoy most about working at Modera?

Working with a group of people in a collaborative way, always striving to improve what and how we serve our clients and how we run our business.  The focus on keeping the firm independent so that we can continue to deliver our service in the way we think is most suitable for our clients.  I appreciate being around a group of smart, caring professionals who are like-minded when it comes to the philosophy of our business.   I also appreciate that at Modera – “You always get your say, but you might not always get your way.”   That openness to differing opinions and discussion does much to enhance and improve the firm.  Ultimately I think it comes down to respecting everyone’s opinion, but then after the debate coming together around the direction that has been agreed upon.

Where did you grow up? Where do you live now?

I grew up in Bergen County, NJ. In late 2017 I relocated to Charlotte, NC to help Modera as we expanded into this market with a new location.

Karl’s Insights

For privacy reasons YouTube needs your permission to be loaded. For more details, please see our Privacy Policy Notice.
I Accept

Crafting Your Efficient and Personalized Financial Plan

Individuals that come to Modera typically have accumulated significant assets or they’re on their way to doing so, and they do that because they’re working lucrative professions that require a lot of attention and focus. They have significant needs. It could be around the business, could be around the profession, risk management considerations. We have a broad range of clients across the United States. We also have a team approach. We can enlist our colleagues to assist and craft a solution that’s designed specifically for each client’s situations. We get a background, full background on the client and their family and their aspirations. Synthesize that information to develop solutions that suit their temperaments, their needs and their goals.

We try to be proactive as much as possible. That means once we gained that knowledge and historical perspective on a client and an understanding of what they want to achieve, and it allows us to always be on the alert for potential solutions and ways that we can enhance the efficiency of their financial lives. We can meet with them in any number of ways.

I love the relationships that we’re able to build with our clients and that we have built. I love the colleagues that we have. We’re all pulling in the same direction. We’re trying to be proactive, trying to be the financial adviser of choice, and I appreciate the depth of the organization and the support that they give every one of us as we try to keep delivering excellent service.

Let’s Talk

Modera Financial Planning & Wealth Management
831 East Morehead Street, Suite 760, Charlotte, NC 28202
(704) 358-3322

Call Now
Cookies help improve your experience. You may change or opt out of the cookies settings. Review our disclosure information. Edit Cookie Settings Accept Cookies

Google Analytics Tracking Cookies

Website statistics tracking.

YouTube and Google Maps Cookies

Educational and Promotional Videos and Maps