About Us

Our Firm

Helping You Build, Protect & Distribute Wealth for a Secure Retirement

Total Wealth Enhancement Group was founded in 2005 to provide independent financial guidance in an ever-changing retirement landscape. With traditional pensions fading and Social Security’s future uncertain, we help individuals take control of their financial future through retirement income planning, private wealth management, and strategic tax planning.



Led by Michael T. Kuczinski, our team specializes in investment strategies, estate planning, and IRA distribution guidance, ensuring your assets grow and your retirement income is optimized. We take a personalized, hands-on approach so you can make informed decisions with confidence.

Our Qualifications

With over 33 years of experience, Michael T. Kuczinski is a leader in wealth management, retirement distribution planning, and estate strategies. As a CFP®, ChFC®, CLU®, and RICP®, he brings deep industry expertise and independent, conflict-free advice.


He holds Series 6, 63, 7, and 24 securities registrations and multiple insurance licenses, allowing us to provide a full range of wealth management services. A recognized expert in IRA planning, Michael has trained under Ed Slott, CPA, and has been a keynote speaker on retirement planning strategies and tax-efficient investing.


At Total Wealth Enhancement Group, we provide the experience, knowledge, and personalized strategies to help you secure your financial future.

Strategic Advisors for Your Financial Goals

Our Associates
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Michael Kuczinski

Financial Advisor
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Michael Kuczinski Jr.

Financial Advisor

Frequently Asked Questions

  • What states are you licensed to provide financial services in?

    We are licensed in most states across the U.S. and can quickly obtain licensing in any state where we are not yet registered. Whether you’re in New Jersey or anywhere else, we can assist with retirement income planning, wealth management services, estate planning, and strategic tax strategies.

  • How does your financial planning process work?

    We take a personalized, hands-on approach to financial planning. Our process includes:

    1. Discovery Meeting – We learn about your financial goals and concerns.
    2. Strategy Development – We create a tailored retirement and wealth accumulation plan.
    3. Implementation – We put your plan into action with ongoing adjustments.
    4. Ongoing Support – We continuously optimize your financial strategy as life changes.

  • Who do you work with?

    We specialize in helping individuals nearing or in retirement who want to maximize their retirement income, manage assets, and implement tax-efficient investment strategies. However, we also assist high-net-worth individuals, business owners, and professionals looking to optimize their wealth and estate planning.

  • What makes Total Wealth Enhancement Group different from other financial advisors?

    As independent financial advisors, we are not tied to corporate sales quotas or proprietary products. Our focus is on retirement income strategies, private wealth management, and estate planning, ensuring that every decision is made with your best interests in mind.

  • How do I get started?

    It all starts with a complimentary consultation where we assess your current financial situation and discuss your investment strategies, tax planning, and long-term goals. Schedule your consultation today to take the first step toward a secure retirement and financial future.

    Get In Touch

Ready to Take the Next Step?

Your financial future starts with a conversation. Whether you have questions about retirement income, tax-efficient investing, or wealth management, we’re here to help. Schedule a complimentary consultation today and take control of your financial journey.