David Kulchar

Founder, Advisor Emeritus

"Don’t ever forget the WHY you do something, so that you can continue to do it passionately."

About David

A dedicated leader and industry pioneer who seeks to help improve retirement programs for all types and sizes of organizations through an innovative service approach. A leader of a team that seeks to increase service and reduce fees, while offering a customized approach for each client.

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Founder, Advisor Emeritus
Oswald Financial, Inc., 2023- Ongoing
Managing Director - Retirement Plan Services
Oswald Financial, Inc., 1999-2023
Regional VP Group and Retirement
Principal Financial Group, 1989-1999
Accounting - FMP Financial Degree
General Electric Corporation, 1979-1984


Business - Finance BA
The Ohio State University College of Business, 1975-1979
Grand Blanc High School