OUR TEAM
Ira J. Krulik
Ira J. Krulik
CFP®, RICP®, CRPC®, CMFC®, APMA®
Financial Advisor
732-359-3838
732-359-3851
irak@icgnext.com
41 Years of Experience
Interests
I truly appreciate the simple things in life: a good mystery novel, a day spent on the links, or a fall football tailgate. It’s these simple pleasures that bring me the most joy in life. I’m an avid sports fan, a beach bum, and a history buff. My wife and I try to travel as much as we can, with Aruba being our favorite place to visit. When I have free time, I love getting lost in a good mystery. I always make sure that my e-reader is loaded with the latest novels.
My wife and I reside in Monmouth County, NJ. We enjoy spending time with our daughter, son-in-law and the newest member of the family, our granddaughter.
Awards & Recognition
- Five Star Wealth Manager, 2019-2026
Areas of Focus
- Retirement Planning Strategies
- Family Finances
- Saving for Education
- Investments
- Insurance
- Tax Planning Strategies
Education
- MBA, 1988, Investment Analysis / Portfolio Management – Pace University
- BBA, 1982, Organizational Behavior – Baruch College CUNY
- AAS, 1977, Accounting – Kingsborough Community College CUNY
Qualifications
CFP® CERTIFIED FINANCIAL PLANNER® practitioner
The CERTIFIED FINANCIAL PLANNER® practitioner certification is recognized as a standard of excellence for personal financial planning. CFP® certification requires meeting experience and ethics requirements, successfully completing financial planning course work and passing the certification examination covering the following topics: financial planning principles, employee benefits planning, investment planning, income tax planning, and retirement and estate planning.
RICP® Retirement Income Certified Professional®
The Retirement Income Certified ProfessionalSM designation is obtained by completing retirement planning course work that focuses on creating an effective retirement income plan for clients who are nearing or are in retirement. By completing coursework focused on key retirement issues such as income gaps, taxation, asset management, and estate planning, a Retirement Income Certified ProfessionalSM is trained to help clients assess retirement preparedness and confidently address their income needs throughout retirement.
CRPC® Chartered Retirement Planning Counselor℠
The Chartered Retirement Planning CounselorSM certification is obtained by completing retirement planning course work that focuses on the pre- and post-retirement needs of clients like you. By completing coursework focused on key retirement issues such as asset management and estate planning, a Chartered Retirement Planning CounselorSM is trained to help clients assess retirement preparedness and confidently address their pre- and post-retirement financial needs.
CMFC® Chartered Mutual Fund Counselor℠
The Chartered Mutual Fund CounselorSM program was developed in conjunction with the Investment Company Institute and is the only mutual fund designation recognized in the financial services industry. The program provides a thorough knowledge of mutual funds and their various uses as investment vehicles.
APMA® Accredited Portfolio Management Advisor℠
Individuals who hold the APMASM designation have completed a course of study encompassing client assessment and suitability, risk/return, investment objectives, bond and equity portfolios, modern portfolio theory and investor psychology.
This award was issued on 11/01/2025 by Five Star Professional (FSP) for the time period 03/13/2025 through 09/05/2025. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 7682 New Jersey-area wealth managers were considered for the award; 400 (5% of candidates) were named 2026 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2025: 7,425, 431, 6%, 12/1/24, 3/13/24 – 10/7/24; 2024: 6,515, 462, 7%, 12/1/23, 3/13/23 – 9/29/23; 2023: 6,606, 407, 6%, 12/1/22, 3/21/22 – 10/18/22; 2022: 6380, 431, 7%, 12/1/21, 4/12/21 – 10/15/21; 2021: 6123, 459, 7%, 12/1/20, 3/30/20 – 10/23/20; 2020: 6210, 480, 8%, 12/1/19, 3/1/19 – 10/16/19; 2019: 6097, 477, 8%, 12/1/18, 3/21/18 – 10/12/18; 2018: 4383, 415, 9%, 12/1/17, 2/21/17 – 10/12/17; 2017: 3868, 664, 17%, 11/1/16, 2/25/16 – 10/7/16; 2016: 4143, 626, 15%, 11/1/15, 4/15/15 – 10/16/15; 2015: 5063, 672, 13%, 12/1/14, 4/15/14 – 10/16/14; 2014: 3315, 646, 19%, 12/1/13, 4/15/13 – 10/16/13; 2013: 4049, 733, 18%, 12/1/12, 4/15/12 – 10/16/12; 2012: 1312, 400, 30%, 11/1/11, 4/15/11 – 10/16/11. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.
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