Registered Investment Advisor

Our Team

Our Leadership:

A. Charles (Chip) Krempa, III is Co-President and Secretary of Krempa Associates, Inc., a second-generation financial services firm started in 1971.  The firm is located in Fountainville, Bucks County, Pennsylvania.


May of 1989, Chip graduated cum laude from Clarion University of Pennsylvania with a Bachelor of Science in Business Administration degree, majoring in finance.


Right out of college, Chip started in the financial services industry and holds a Certified Fund Specialist (CFS) and Accredited Investment Fiduciary (AIF) designation.  In addition to his professional credentials, he holds a Series 6, 62, 63 & 65 securities licenses, as well as Life, Health and Variable Annuity licenses.


With over 30 years of experience, Chip approaches each client relationship individually, developing a unique and customized solution.  His process always results in placing his clients’ best interest first.  Chip’s clients include small business owners, not-for-profit organizations, professionals, families and individuals.


Over his career, Chip gave back through participation in the Central Bucks Chamber of Commerce, Bucks County Chapter of the American Red Cross, where he served as a Board Member, and as an active member of his church.


Born in Philadelphia and raised in Bucks County, Chip resides in Hilltown Township with his wife Katie and three daughters Alayna, Olivia and Ella.  Chip enjoys fishing, especially in the Florida Keys, muscle and exotic cars and is an avid Philadelphia Eagles fan. However, much of his time out of the office is spent supporting his very active daughters’ school and sporting activities. Passing down his childhood experiences Chip introduced the splendor and awe of visiting our nation’s National Parks to his family.  They have visited over thirty National Parks, Monuments and Sea Shores from Florida through the West and California, most recently visiting Alaska.


Bill Krempa is a CERTIFIED FINANCIAL PLANNER™ Practitioner (CFP®), a Certified Fund Specialist (CFS®), a Certified Senior Advisor (CSA®) , Accredited Investment Fiduciary (AIF®,)  Licensed Life and Health Insurance Agent and Broker, as well as a 20 year member of the Institute of Certified Financial Planners and the Financial Planning Association.

In 2015 Bill was bestowed with the prestigious Ralph S Devito award.  From 1992-99, Bill was given the President's Council Award from Oppenheimer Funds. He has volunteered on local boards including: The Central Bucks Chamber of Commerce, The American Red Cross, LVLL Baseball, Team Vortex Cycling, Cub Pack 36 and Boy Scout Troop 133. Bill has also mentored and trained junior cyclists and teaches Woodworking and Welding to our youth.

When not in the office, Bill can be found in his woodworking shop, on his bicycle or motorcycle; on the ski slopes with his wife Mary or in the kitchen refining his passion for good food and wine.


“Everyday my team and I come to work to make our clients lives more fulfilling.  We offer to improve their understanding of their future financial needs.  We listen to their financial fears and design income streams within their comfort levels. We provide them with a worry free retirement and if they so desire, enable them to deliver a meaningful legacy to whomever they choose. ”


Part 2B of Form ADV: Brochure Supplement

Client Relationship Summary (effective June 30, 2020)

Team Members:

Stacy Sontheimer

Office Manager

Team Member Since 2000

Joan Fuller
Investment Services Liaison

Team Member Since 2009

Delaney McDermott
Investment Coordinator – New Accounts

Team Member Since 2018

Brittany Hannon

Employee Services Coordinator

Team Member Since 2009

The information contained is for general use and it is not intended to cover all aspects of a particular matter. Neither the information presented nor any opinion expressed constitutes a representation by us or a solicitation of the purchase or sale of any securities. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. Entities or persons distributing this information are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

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