Our Firm

Kulch Financial Services Inc. of Nashua, NH, has over 35 years experience in investment and wealth management. We specialize in financial, insurance and retirement planning services for individuals, businesses and organizations. Kulch Financial is a full service firm that differentiates itself from other investment and retirement planning consultants by offering an unparalleled communication and management package allowing the proper roots for success.

Our Mission

• Endeavor to know and understand your financial situation and provide you with the highest quality information, services, and products to help you reach your goals.

• Commit to maintain the highest standards of integrity and professionalism in our relationships with our clients.

• Communicate effectively with up-to-date information on market climate and issues, as well as keep you abreast of timely opportunities.

• Maintain a diversified portfolio of standard and alternative offerings that adhere to their stated objectives.

• Provide educational opportunities to keep you aware of the most current product offerings.

• Offer all of our knowledge and experience to keep you focused on a disciplined approach to realizing your dreams.

Charles C. Kulch

Charles is a 1972 graduate of the University of Massachusetts with a Bachelor of Science Degree in Business Administration. His education continued at Western New England College, Gaining his Master's Degree in Business with a concentration in Accounting. These degrees propelled Charles into the world of finance and accounting for over 30 years. The first years of his career were spent as the Vice President of Finance and Chief Financial Officer for companies specializing in manufacturing. He has ten years of SEC reporting as well as experience in individual and corporate taxes.

Charles has spent the last eighteen years assisting clients with their investment needs. On October 19th, 2006 Charles began his relationship with NEXT Financial Group, Inc. in order to provide enhanced services to his clients. In his four years with NEXT Financial Group, Inc., Charles had the honor of earning the title of number one broker in the country. For the 6 years prior, Charles achieved the same status with his former broker/dealer Investors Capital Corporation. Charles is also the recipient of the 2006 Business Excellence Award in Finance presented by the New Hampshire Business Review. He holds his series 7, 6, 63, 65, 24 and 26 licenses and is currently licensed in the following states: AZ, CA, CT, DE, FL, GA, IA, ME, MA, MD, MI, NV, NH, NY, PA, TX, VA, & VT. Charles is also a member of the New Hampshire Estate Planning council.

Charles currently resides in Hudson, NH with his wife and two children. He is very active in the community and their organizations. Currently, Charles spends his spare time working with children in a competitive soccer league as their Head Coach.

Charles truly values the relationships he has with each and every client and works to treat each relationship with a personalized approach. The greatest consideration will be given to your needs and individual preferences as he works with you in planning your future. 

Charles has worked feverishly to ensure that he has the best staff possible that shares his ideals to provide unparalleled customer service. Not only will you find our team members knowledgeable, but you will also discover they will do everything possible to keep you focused on a disciplined approach to realizing your dreams.

Ellen Pulice

Ellen has nearly 25 years of experience in the financial industry, which began at Fidelity in the computer operations department. Ellen obtained her series 6 and 63 licenses and went to work processing new business for top producers. Ellen is responsible for seeing that all legal paperwork required to open and maintain a client's account is done properly and timely. She strives to maintain an impeccable level of customer service insuring that all customer decisions are processed according to all regulations.

Timothy Klein

Tim brought 10 years of sales and marketing experience to the team in March of 2006. He is a former senior account representative in the telecommunications field. Tim is using his knowledge and experience to forge relationships with vendors and potential clients in order to augment new business development. Tim strives to broaden his base of knowledge and expertise in the field of financial products to better serve the growing needs of our client base.