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.