David M. Kulchar, AIF®, CPFA

Managing Director of Retirement Plan Services

From 1998 to Present, Mr. Kulchar has worked for The James B. Oswald Company (JBO). In 1999, Mr. Kulchar established Oswald Financial, Inc. (OFI), a subsidiary of JBO. He is the Executive Vice President and Director of Retirement Plan Services at OFI. Mr. Kulchar currently directs and manages OFI’s strategic operations. OFI’s primary focus is supporting plan sponsors through design, implementation, investment monitoring servicing and participant education. Mr. Kulchar has over 25 years of experience in the retirement plan industry and is nationally recognized in the area of qualified retirement plans. Mr. Kulchar has been selected as one of the top 20 advisors in the country by Plan Sponsor magazine for the past three years*, he was voted as a Top 10 Retirement Plan Advisors by DCP/Boston Research, nominated for ASPPA Leadership Award, and nominated by 401(k) Wire as one of the most influential people in the industry. Mr. Kulchar is an Accredited Investment Fiduciary designee, Investment Advisor Representative under LPL Financial, and is frequently sought after as a speaker for national events regarding the retirement plan industry. He serves on the advisory boards of select retirement plan providers, associations and nonprofit organizations.

Previously, Mr. Kulchar worked for the Principal Financial Group as Regional Group and Pension Manager at the Principal Financial Group. Under his leadership his regional office was one of the top producing and retention pension offices in the country, while maintaining a high level of customer satisfaction. As a Regional Group and Pension Manager at the Principal Financial Group, he was the first individual who implemented over 100 retirement plans in one year and delivered superior customer service that was reflected in 98% client retention ratio for his region. His region was recognized for top retirement plan sales and service in the country. Mr. Kulchar also worked for AG Edward and Dean Witter as a Financial Consultant. Mr. Kulchar started his career with General Electric and graduated from the GE Financial Management Program.

Mr. Kulchar graduated from Ohio State University with a Bachelor of Science degree in Business Administration and Finance. He is also a graduate of the General Electric Financial Management Program and also served as President and Vice President of that association. Mr. Kulchar has received a Group Management degree and Employee Benefits degree from LIMRA International, Inc. He holds a Series 7, Series 63, and Series 65 registrations with LPL Financial and is Life, Health & Annuity licensed.

Oswald Financial, Inc. | 1100 Superior Avenue, Suite 1350 | Cleveland, Ohio 44114 |  866.674.4048