01. About Us

At PWA Financial, our goal is to assist our clients in obtaining their financial goals and objectives with strategic financial advice. The individual needs of our clients’ investments are enhanced by our commitment to professional standards and ethical conduct.

02. Our Philosophy

PWA Financial believes that effective investment management starts with a comprehensive client profiling process designed to clearly identify each individual’s goals, time horizon, tolerance for risk and prior investment experience.

03. Our Process

PWA Financial incorporates the traditional “Modern Portfolio Theory” of Asset Allocation and the Efficient Frontier in executing each client’s investment policy.

Our Services


Preparing and planning for when you are no longer here is a very difficult conversation. At PWA, we find it very helpful to our clients’ families and loved ones that we help you get organized now.

Retirement Planning

At PWA, we understand that your retirement will take you many places. We're here to help you with your financial choices, so you can live the retirement you have earned.

Investment Supervisory Services

PWA offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client.

Our Team

Michael D. Carlucci | Principal | PWA Financial

Since 1995, Mike has specialized in portfolio management, strategic investment and retirement planning. He has run an...

Kenneth C. Coniglio | Principal | PWA Financial

Ken’s entire career has been focused on strategic planning, and he continues to leverage those skills in the development...

Strategic Partner

Chris has worked in the industry for over 18 years. Chris spent 8 years as a Financial Advisor with UBS Financial...


Ginny has been in the personal investment business since 1992 as Client Services Manager. Ginny’s depth of experience...

We manage assets for individuals, families, and small businesses, providing investment management, and retirement planning services.

Let's Get Started

Video Library


The Very High Cost of Waiting to Save for Retirement


What’s Your Risk Management Plan?


3 Key Elements to Early Retirement Success

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