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Our Story

a legacy of advocaCy

For more than 40 years, we’ve been helping people make sense of life’s financial decisions. The roots of our firm go back to the 1980s with our founder, Thomas Nikles, whose decades in wealth management laid the groundwork for what our firm would become. In 2001, Thomas founded Keystone Financial Management in Allentown, Pennsylvania, with a simple goal: give clients a framework they can count on.

Today, that still guides us. Now led by his children, Eric Nikles and Amber Carrick, we remain a family-run firm committed to thoughtful planning, trusted partnership, and steady guidance through every stage of life. We’re here for the long haul—partnering with families, individuals, and businesses as their lives and goals change.

Why Us?

Money is complicated. Life is even more so. That’s why we don’t hand out cookie-cutter plans or make promises we can’t keep. Instead, we listen, learn what matters to you, and build strategies that fit. We treat our clients like family—taking your goals personally and standing beside you through thick and thin. Our approach is straightforward, our advice considered, and our partnership ongoing—so you always have a place to turn when the next decision comes along.

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Meet Our Team

Your Client Team

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Eric Nikles, CFP®

Partner & Wealth Advisor

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Joseph Connell, MBA, CFP

Wealth Advisor

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Coral Licairac

Registered Client Service Coordinator

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Monica nikles

Client Marketing &
Experience Curator

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Barbara peterka

Lead Client Service Coordinator

Your Broader Keystone Team

Our clients benefit from the collective experience and infrastructure of the entire Keystone Financial Management organization.

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Amber carrick

President

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deb Mosser

Director of Supervision &
Branch Operations

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Donna O’Donnell

Branch Office Manager

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Thomas nikles, CHFC

Retired Founder

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2

Certified Financial Planners

Guiding your financial future with experience, integrity, and personalized strategy.

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$230M+

Assets Under Management*

A trusted team managing multi-generational wealth with clarity and care.

*As of 11/2025

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5+

Generations
Served

Proudly partnering with families whose legacy and financial goals span decades.

The People Behind The Plans

At KFM, we’re more than a team—we’re a family. That spirit shapes the way we work with our clients: genuine care, steady guidance, and a belief that good relationships lead to better outcomes. You’ll feel it in every conversation, every plan, and every decision we help you make.

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“Working with the KFM Team has always been a positive experience. Their thoughtful approach and effective guidance have made financial planning feel manageable and meaningful. Having grown up in Nazareth with Eric and most of the Team members, we truly appreciate the partnership and genuine care they bring to every conversation.”

G. and L. Knecht, Clients since 2015

*Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.

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