Business Details
50+ Years
experience
Trusted Financial Advisors in Bergen County, NJ
Traphgen Financial Group has built a legacy of trust and integrity over five decades, offering comprehensive financial solutions tailored to individual and business needs. Since 1970, we have combined accounting expertise with wealth management to deliver personalized strategies that align with our clients' long-term goals. Our team of Certified Public Accountants and Registered Investment Advisors leverages deep industry knowledge to provide tax planning, estate management, and dynamic asset allocation.Recognized as a 2025 Regional Leader by Accounting Today, we prioritize fiduciary responsibility and innovation, ensuring clients benefit from fee-only advisory services and cutting-edge financial technology. With a historic commitment to community engagement and professional excellence, we continue to evolve while maintaining the core values that have defined our practice for generations.
Services
Wealth Management
Tax Planning
Estate Planning
Investment Management
Retirement Planning
Risk Management
Accounting Services
Insurance Planning
Portfolio Management
Financial Advisory
Details
- Year established: 1970
Highlights and features
- We offer 50+ years of combined experience in accounting and wealth management.
- Our fee-only fiduciary model ensures unbiased, client-first financial advice.
- We integrate CPA and RIA expertise for comprehensive tax and investment strategies.
- Recognized as a 2025 Regional Leader by Accounting Today and Top Firms by AUM.
- Our dynamic asset allocation approach optimizes risk-adjusted returns.
Associations and certifications
- American Institute of Certified Public Accountants (AICPA)
Services
Wealth Management
Our wealth management services combine dynamic asset allocation with tax-efficient strategies to grow and protect client assets. We offer personalized investment portfolios, estate planning, and retirement solutions tailored to individual risk profiles. As fee-only fiduciaries, we prioritize client interests through transparent advisory fees based on assets under management.
Tax Planning
We provide comprehensive tax planning and preparation services focused on minimizing liabilities through strategic deductions and credits. Our CPAs analyze clients' financial situations to implement tax-saving strategies, including loss/gain harvesting and asset location optimization. We ensure compliance with evolving tax regulations while maximizing after-tax returns.
Estate Planning
Our estate planning services ensure assets are distributed according to client wishes while minimizing tax burdens. We develop customized strategies using trusts, gifting programs, and legal instruments to secure wealth for future generations. Regular reviews adapt plans to changing personal and regulatory landscapes.
Investment Management
We employ dynamic asset allocation and sector rotation strategies to optimize investment returns. Our approach uses low-cost ETFs, individual equity selection, and alternative investments to create diversified portfolios. Risk management frameworks like SmartHedge protect against market volatility while maintaining growth potential.
Retirement Planning
Our retirement planning integrates tax, investment, and estate strategies to ensure long-term financial stability. We use Monte Carlo analysis to stress-test plans against market variables and adjust annually for tax law changes. Services include 401(k) management, pension optimization, and income distribution strategies.
People
Robert J. Traphagen
Managing Partner
With decades of leadership in accounting and wealth management, Robert oversees strategic operations and client relationships. A former NJCPA President and AICPA Council Member, he champions innovation in financial services while maintaining the firm's founding values.
Kristina Kostovski
CPA, MBA
Kristina leads client advisory services, combining technical accounting expertise with business strategy. She mentors emerging professionals and represents the firm in industry forums, focusing on technology integration and tax-efficient wealth preservation.
Steven J. Budryk
CPA, MS
Steven specializes in corporate tax strategies and financial reporting. He actively participates in real estate industry events and provides thought leadership on commercial finance, bridging technical expertise with market insights.
Alex Macchio
CFP
As a certified financial planner, Alex develops retirement and estate plans tailored to client life stages. He educates communities on financial literacy and represents the firm in golf classic fundraising events.
Nicole Garcia
CPA
Nicole focuses on individual tax planning and advisory services. She engages with academic institutions to promote accounting careers and contributes to community financial education initiatives.
Questions
How long has Traphagen CPAs & Wealth Advisors been in business?
We were founded in 1970 by V. Peter Traphagen, Sr., making us a trusted financial partner for over 50 years.
What areas do you serve?
While based in Bergen County, NJ, we serve clients nationwide and internationally, with primary concentrations in New Jersey, New York, and Florida.
Are your advisors credentialed?
Yes, all partners are CPAs, and wealth management professionals hold designations like CFP, CPA, and PFS. We maintain AICPA peer review compliance.
How are you compensated?
We use hourly billing for accounting services and a flat percentage of assets under management for wealth management, with no product commissions.
Do you offer free consultations?
Yes, we provide no-obligation meetings to discuss your financial needs and how we can help achieve your goals.
What distinguishes your investment approach?
Our dynamic asset allocation strategy actively adjusts to market conditions, combining low-cost ETFs with tax-loss harvesting for optimized risk-adjusted returns.
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