Business Details
50+ Years
experience
Your Trusted Partner for Accounting & Wealth Management Solutions
Traphgen Financial Group has built a legacy of trust and integrity over five decades, offering comprehensive financial services tailored to individual and business needs. Our team of Certified Public Accountants and Registered Investment Advisors combines deep expertise in tax strategies, wealth management, and financial planning to deliver personalized solutions. We prioritize fiduciary responsibility, acting in our clients' best interests through dynamic asset allocation, tax minimization strategies, and holistic retirement planning. Rooted in Bergen County, NJ, our firm serves clients nationally and internationally, leveraging advanced technology and a commitment to continuous education.With a culture of excellence tested through rigorous peer reviews, we ensure the highest professional standards. Our dedication extends beyond finance, engaging in community initiatives and fostering the next generation of accounting professionals. As we celebrate 50 years of service, we remain focused on innovation, client-centric values, and sustainable growth for future generations.
Services
Tax Preparation
Wealth Management
Estate Planning
Retirement Planning
Portfolio Management
Risk Management
Accounting Services
Tax Consulting
Investment Advisory
Financial Planning
Details
- Year established: 1970
Highlights and features
- We offer 50 years of experience in fiduciary-driven financial advisory services.
- Our fee-only model ensures complete alignment with client interests.
- We combine CPA and CFP expertise for comprehensive tax and wealth strategies.
- Our dynamic asset allocation approach optimizes risk-adjusted returns.
- We maintain a culture of excellence through AICPA peer-reviewed standards.
Associations and certifications
- American Institute of Certified Public Accountants (AICPA)
- Registered Investment Advisors (RIA)
Services
Wealth Management
Traphagen's wealth management services focus on personalized investment strategies, dynamic asset allocation, and tax-efficient planning. Our fee-only fiduciary approach ensures alignment with client goals, utilizing low-cost ETFs and private investments. We emphasize risk management and long-term growth tailored to individual financial objectives.
Tax Preparation
Our CPA-led tax preparation services include strategic planning to minimize liabilities, IRS representation, and compliance solutions. We specialize in individual, business, and estate tax strategies, leveraging deep expertise in evolving tax regulations to protect client assets.
Estate Planning
Traphagen's estate planning ensures assets are distributed according to client wishes with minimal tax impact. We employ trusts, gifting programs, and advanced strategies to secure wealth for future generations, integrating seamlessly with overall financial plans.
Retirement Planning
Our retirement planning combines portfolio management, tax optimization, and risk assessment. Using Monte Carlo analysis, we create stress-tested plans that adapt to changing tax laws, market conditions, and personal circumstances for long-term financial security.
Portfolio Management
We offer active portfolio management with dynamic asset allocation, tax-loss harvesting, and sector rotation strategies. Our approach prioritizes cost efficiency, diversification, and risk-adjusted returns using ETFs, mutual funds, and individual securities tailored to client risk profiles.
People
Robert J. Traphagen
Managing Partner
Robert J. Traphagen, CPA, CGMA, serves as Managing Partner with over 30 years of experience. He leads strategic growth, maintains fiduciary standards, and actively participates in industry leadership roles, including past presidency of the NJCPA.
Kristina Kostovski
CPA, MBA
Kristina Kostovski, CPA, MBA, specializes in wealth management and financial planning. She holds leadership roles in client advisory services and represents the firm in industry events, focusing on innovative financial solutions and community engagement.
Steven J. Budryk
CPA, MS
Steven J. Budryk, CPA, MS, leads accounting services with expertise in tax strategies and business advisory. He contributes to the firm's educational initiatives and maintains strong client relationships through personalized financial guidance.
Alex Macchio
CFP
Alex Macchio, CFP, specializes in retirement planning and estate strategies. He actively engages in client education programs and community events, ensuring comprehensive financial solutions aligned with long-term goals.
Nicole Garcia
CPA
Nicole Garcia, CPA, focuses on individual and business tax services. She mentors emerging professionals and contributes to the firm's outreach programs, emphasizing accessibility and excellence in accounting education.
Questions
What services does Traphagen CPAs & Wealth Advisors offer?
We provide accounting, tax preparation, wealth management, estate planning, retirement strategies, portfolio management, and financial planning tailored to individual and business needs.
How long has Traphagen been in business?
Traphagen CPAs & Wealth Advisors was founded in 1970, offering over 50 years of expertise in financial services.
Are Traphagen's professionals credentialed?
Yes, our team includes Certified Public Accountants (CPAs), Certified Financial Planners (CFPs), and specialists with advanced designations like PFS and CITP.
How is Traphagen compensated for services?
We use an hourly rate for accounting and tax services. Wealth management fees are based on a percentage of assets under management, with no commissions or hidden fees.
Do you serve clients outside of New Jersey?
Yes, while based in Bergen County, NJ, we serve clients nationwide and internationally through digital platforms and remote consultations.
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