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Our Firm

As independent financial service professionals, we have the freedom to choose the strategies that work best for each of our clients. In order to pursue the retirement of your dreams and meet the retirement income challenge, we will build an investment plan to help you grow your retirement assets while helping you keep it balanced through changing times.

In order to maximize the potential of clients’ assets, we have access to comprehensive research tools, a vast array of financial products, up to date technology, and the backing of LPL Financial and Fidelity Institutional Wealth Services to custodian all of our client assets.

"We will strive to do ordinary things, extraordinarily well."

Having spent four years with First Choice Financial, an investment research firm, Kevin Kraft felt that today’s consumers deserved more than just a salesman approach to managing individual assets.

Dedicated to assist in the development of true independent wealth plans, Kevin Kraft founded APS Associates in order to provide retirement planning, estate planning and asset management services to each of our valued clients.

About LPL Financial

LPL Financial is one of the leading financial services companies and the largest independent broker/dealer in the nation*. For more than four decades, the firm has served as an enabling partner, supporting financial advisors in their goals of protecting and growing their clients’ wealth. A chief objective of LPL Financial is to reduce the complexity of running a financial services practice so advisors can focus on what they do best - help their clients attain their financial goals and fulfill their dreams. With headquarters on both coasts, LPL Financial supports financial advisors in helping their clients by offering a robust mix of services and tools such as: - Enabling technology - Comprehensive clearing and compliance services - Practice management programs and training - Independent research.

LPL Financial is one of the nation's leading financial services companies and a publicly traded company under ticker symbol LPLA. The firm’s mission is rooted in the belief that objective financial guidance is a fundamental need for everyone. LPL does not offer proprietary investment products or engage in investment banking activities; this means advisors affiliated with LPL are not pressured or influenced by LPL to sell its products. Thousands of financial advisors nationwide are able to rely on the firm’s tools and resources to help them provide financial guidance and recommendations to help meet their clients’ needs. For more information about LPL Financial, visit

*As reported in Financial Planning Magazine, 1996-2018 based on total revenue.

About Fidelity Institutional Wealth Services

For more than 60 years, Fidelity has built a reputation of integrity and financial management expertise that gives our firm peace of mind. As a leader in the financial services field, Fidelity has a thorough understanding of the products and services they need to help best custodian client assets for independent financial advisors. Fidelity Institutional Wealth Services is a member of SIPC which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash).  Explanatory brochure available upon request or at 

APS Associates, LPL Financial, and Fidelity Institutional Wealth Services are all separate unaffiliated companies.