Papa & Kaczor Financial Specialists Papa & Kaczor Financial Specialists stays true to our core investment strategy for their wealth management services utilizing a low cost fee based, investment management program that uses institutional asset class mutual funds to build broadly diversified portfolios customized to each client's personal financial goals, risk tolerance and investment time horizon. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market.