Matt graduated from Franklin University with a Bachelor of Science in Business Administration in Marketing in 1993. Matt earned the marks of CERTIFIED FINANCIAL PLANNER™ (CFP®) in 1997. Matt is currently a second-level candidate for the Chartered Market Technician (CMT) designation. In 1998 Matt formed M.G. Kovalcik, LLC and provided financial planning and investment advisory services to clients employing a fee-based approach. In 2005, he merged his practice with Steve to form Kovalcik & Geraghty Wealth Partners LLP (KGWP) and is currently Co-Managing Partner. KGWP completed its transition to a Fee-Only planning practice in 2012 further reinforcing their role as fiduciaries for their