A Simple Approach Centered Around Your Needs

Building a comprehensive plan designed to help you pursue your goals doesn't have to be bewildering. At KMJ Financial Group, we specialize in taking complexities and make them clear and concise.

First, we create a financial strategy tailored specifically to where you are on your financial journey. Next, we use our own proprietary model to safeguard against inflation and other market forces, developing an investment portfolio with mix of mutual funds, ETFs, commodities, and more. Then we walk you through our step-by-step process to help you feel confident in your decisions; helping you feel relaxed and keeping things in perspective.


A Dedicated Team to Help Provide Clarity

At KMJ Financial Group, we share the common goal of providing you with the knowledge, sound judgment, and personalized service you need to confidently pursue your financial goals.

We’ve always had a passion for helping people, a trait we inherited from our parents. And our interest in investments and markets started young, from collecting baseball cards as children to making investments at an early age.

In order to help individuals and families reach their financial goals, we created an advisory with a family atmosphere. In fact, our two managing partners are brother-in-laws. So we treat you like family, being honest and forthcoming, and not sugarcoat things when times are tough. We’re also laidback, down-to-earth, and always communicate in a simple, straightforward manner. We look forward to helping you define your financial vision – and making it a reality.


Jacob Ruggles, CFP®

Wealth Advisor and Managing Partner


Jacob Ruggles is co-founder of KMJ Financial Group. He has been in the financial services industry since 2001. Jake works with clients to help develop customized financial plans that are tailored towards retirement, estate, and/or college funding. He holds various securities registrations and is a licensed insurance agent in the state of Pennsylvania. Jake graduated from Lafayette College with a BA degree in Mathematics/Economics and Business. He is a CERTIFIED FINANCIAL PLANNER™ certificant, and has also completed the Financial Planning program at New York University School of Continuing and Professional Studies.

Outside the office, Jake enjoys the time spent with his family. Additionally, he is an Alumni Admissions Representative with Lafayette College, board member for the Easton Foundation for Schools, and a youth sports coach.


Kirk Brown

Wealth Advisor and Managing Partner


Kirk Brown is co-founder of KMJ Financial Group. He has been in the financial services field since 1987. His specialties include working with clients to make customized portfolios that aim to meet their financial goals. Kirk holds various securities registrations and is a licensed insurance agent in the state of Pennsylvania. He is a local graduate of Northampton High School and Shippensburg University.

When not in the office, Kirk enjoys spending time with his wife and two children.


Dan Fratantoro, CPA

Wealth Advisor


Dan Fratantoro is a Wealth Advisor at KMJ Financial Group. Dan spent the first 10 years of his professional career as a Certified Public Accountant with a large, regional firm in Bethlehem, PA. Dan is a graduate of DeSales University with a B.S. in Accounting. He currently lives in Palmer Township with his wife, Dana, and their two children, Mason and Charley.

Dan is a member of the Palmer Township Kiwanis Club and the Easton Lions Club. Outside the office, you can probably find him with his family at the beach in Fenwick Island, DE.


Brenda Mishko

Director of Operations

Brenda Mishko has been with KMJ Financial Group since inception and serves as the Director of Operations. She has been working in the financial services industry since 1996. Her roles include client service, office management, and new accounts.

Outside of the office, Brenda enjoys cooking, reading, gardening, and spending time with her family.

Extended Team

We are proud to partner with Commonwealth Financial Network®. For over 40 years, Commonwealth Financial Network has made it simple for independent advisors like us offer superior service to our clients by providing technology, tools, and guidance so we can focus on your financial goals. Visit these links to learn more about our support teams that help us better serve your needs.