Karl H. Graf
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CRD#: 1888675
Professional summary
Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.
That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.
Karl H Graf, CFP® was a registered financial professional .
Karl is a previously registered financial professional and started their career in finance in 1988. Karl had worked at 3 firms and has passed the Series 63 and Series 7 exams.
Core Areas of Focus
Alternative or Private Investments
Entrepreneurs
High Net Worth Client Needs
Medical Professionals
Real Estate Investments
Retirement Plan Investment Advice
Biography
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.
Outside of Modera, 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. (CAM 3034)
Question & Answer
What are your service offerings?
Comprehensive Financial Planni...
Investment Planning
Estate Planning
Retirement Planning
Insurance Planning
Budgeting
Divorce Planning
Tax Planning
What is your minimum asset requirement?
1M
Are you a "fiduciary"?
No
Aliases
None
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
The advisor shows no other business activity.
CRS (Client Relationship Summary)
The CRS(Customer Relationship Summary) document is not provided.
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 1996
Experience
Past
January 19, 2016 - April 1, 2026
MODERA WEALTH MANAGEMENT, LLC
RIA
CRD#: 155649
CHARLOTTE, NC
Past
January 2, 2008 - July 20, 2016
GRAF FINANCIAL ADVISORS, LLC
RIA
CRD#: 124388
WAYNE, NJ
Past
December 20, 1988 - October 29, 1993
STRATEGIC CAPITAL CORPORATION
BD
CRD#: 16623
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
MODERA WEALTH MANAGEMENT, LLC
MODERA ADVISORS OF CRYSTAL RIVER, LLC | MODERA WEALTH MANAGEMENT, LLC
CRD#: 155649 / SEC#: 801-71973
RIA
Registered Investment Advisory firm - (11/16/2010 Approved)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
Visual representation of state registrations
This advisor is not registered in any state.
Exams
State Security Law Exam
General Industry/Product Exam
Current Firm
MODERA WEALTH MANAGEMENT, LLC
MODERA ADVISORS OF CRYSTAL RIVER, LLC | MODERA WEALTH MANAGEMENT, LLC
CRD#: 155649 / SEC#: 801-71973
RIA
Registered Investment Advisory firm - (11/16/2010 Approved)PREMIUM
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Contact information
Main Address
56 Jefferson Avenue, Westwood, NJ 07675
Mailing Address
Phone number
(201) 768-4600
Established
Firm type
Fiscal year end
# of Employees
219
SEC notice filing (43 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 20,833 |
| AUM (Assets Under Management) | $ 15,510,482,152 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 11/21/2025 | ||
| 12/20/2024 | ||
| 01/26/2024 | ||
| 01/25/2023 |
Red Flags
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