Broker Check
Richard Kulbacki

Rich has been a Financial Advisor since the fall of 2015. He began his career with AXA Advisors and became an independent financial advisor in January 2019. Prior to that, had a career in banking that lasted 10 years.

He prides himself on having the heart of a teacher and specializes in crafting full financial plans to help his clients plan for retirement and college, seek to eliminate debt, save for emergencies and large purchases, and be generous in giving to their favorite charitable organizations. His ambition is to help his clients change their family trees by creating a legacy that can last for generations.

Rich is also a Dave Ramsey SmartVestor Pro which means he has been vetted by Dave’s team as being someone who is committed to living by Dave 7 Baby Step system and to helping his clients pursue their long term investing goals.

He lives in Natrona Heights, PA with his wife and two daughters. He is an avid reader, a musician, and enjoys giving back to his community by giving his time to local organizations like Habitat for Humanity of Allegheny Valley where he serves as Treasurer of the Board of Directors (, his church, ( where he serves with the Worship Team on Sundays and marches with the Kittanning Firemen’s Band. Rich also holds a bachelor’s degree from Indiana University of PA, graduating Suma Cum Laude.

To get started on your financial plan with Rich, CLICK HERE to begin a client questionnaire called an Asset Map. It will give him your contact information and help him understand your financial situation. After it’s completed, expect him to reach out within 24 hours. You can also CLICK HERE to schedule a brief introductory chat with him. You can also email him at or call the office at 724-733-7333 to speak with him.

Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer, and a registered investment adviser. Cetera is under separate ownership from any other named entity.

Working with an advisor that is part of the SmartVestor network cannot guarantee investment success or that Financial goals will be achieved. There can be no assurance that working with a Dave Ramsey SmartVestor Pro(SVP) will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program. Advisors that participate in this program pay a fee to belong to the program for client leads that are provided. Dave Ramsey and the SmartVestor program is not affiliated with or endorsed by Cetera Advisors LLC or The Advisors LLC.