Modera Wealth Management, LLC
Principal & Wealth Manager
Fee-Only financial planner located in Charlotte, NC, serving clients locally and across the country
Karl Graf is a Charlotte, NC fee-only financial planner. Modera Wealth Management, LLC provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Karl Graf is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Karl Graf is a Principal and Wealth Manager at Modera Wealth Management, LLC. His main responsibilities include helping clients develop their financial plans, implementing wealth management strategies and managing clients’ investment portfolios. Karl has extensive experience working in all areas of financial planning, including retirement planning, estate planning, tax planning and risk management. He has more than 21 years of experience in the wealth management profession.
Prior to joining Modera, Karl was the founder and owner of Graf Financial Advisors, LLC, a fee only wealth management and financial planning firm that provided wealth management and fee-only financial planning services for approximately two decades. Early in his career as a CPA® Karl worked at Price Waterhouse in the small and emerging business area, managing audits and consulting engagements. He also spent time in the tax department working on complex individual and estate tax issues.
Karl is a Certified Public Accountant (CPA), Personal Financial Specialist (PFS) and holds the CERTIFIED FINANCIAL PLANNER™ certification with broad experience in financial counselling and wealth management services. He has been certified by various courts as a financial expert and has provided such testimony in court on several occasions. In addition, he has been published on various personal financial planning issues and has been a frequent speaker on 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.
Karl Graf is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning
Is Modera the Right Fit for You?
Our wealth management services are designed to be comprehensive and intended for clients with at least $2 million in investment assets. Alternatively, in select cases where a prospective client has entered the rapid accumulation phase, our services may also be appropriate. This may apply to some licensed professionals and other business owners who have reinvested heavily in their businesses and now need to diversify separately from their core businesses. We invite you to contact us for an initial consultation to explore if we should work together. If we are not the right firm for you, we would be more than happy to refer you to a fee-only firm that may be more appropriate.
For individuals and families seeking wealth management
Modera may be right for you if:
- You are looking for financial planning advice on all aspects of your wealth including portfolio design and investment management, retirement planning, tax planning, risk management, and estate planning.
- You value responsiveness, personalized service and coordination among your professional advisors.
- You place value in a disciplined, diversified approach with the goal of building and preserving your wealth over a long-term horizon
- You desire a financial plan that is intended to be integrated with your investments and considers your personal and unique circumstances and objectives.
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Karl Graf is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
Karl Graf is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
Karl Graf is a Certified Public Accountant (Learn More)
Certified Public Accountants are licensed by the state and authorized by the state to practice public or private accounting. CPA licensing requirements are state specific, but typically include a bachelors degree with additional accounting coursework, successful completion of the Uniform CPA Exam, work experience, successful completion of an approved ethics course, and ongoing continuing education.
Karl Graf is a Personal Financial Specialist (PFS)
The Personal Financial Specialist (PFS) credential is granted solely to CPAs (Certified Public Accountants) with considerable personal financial planning education and experience. All areas of personal financial planning—including estate, retirement, investments and insurance—have tax implications, and the PFS professional has the experience, ethics, and expertise to get the job done right.
Contact Karl Graf
831 East Morehead Street
Charlotte, NC 28202