• Zbigniew Karas can be heard on his two weekly, Polish-language radio shows. Saturdays at 10:30 AM on AM1030 WNVR and Wednesdays at 10 PM on AM1490 WPNA.




  • Watch out for 2016 IRS changes...schedule a check-up this month and be ready for tax season!




about US 

US Financial, LTD. is a second generation, family-run business founded in 1992 by Zbigniew Karas. We specialize in providing financial consulting services for consumers and small business owners. Over the past 20 years, our business has expanded to include insurance, retirement planning, mortgage, and accounting services.   



Our Approach

Each aspect of your financial situation needs to be in balance. That's why you should seek guidance from someone who is knowledgeable about your complete financial situation. At US Financial, we have experts in Tax & Accounting, Insurance, Retirement, and Real Estate on staff and at your disposal. 


  • Are you looking for an auto insurance policy?  

  • Are you ready to refinance your mortgage?  

  • Not sure about your retirement plans?  

  • Do you need to file your income taxes?  


Why make multiple trips when you can get it all done in one place? Our goal is to accomodate all of your financial needs under one roof.



How to get started

Whether you're buying your first house or approaching retirement, it's important to be proactive about your financial situation. We can help you craft a financial strategy and put you on track to meet your goals. It's never too early and never too late to make an impact.  

You can start by browsing through our menu of services and decide which areas are of most interest to you. When you're ready, call our office at (847) 636-5500 to schedule a free consultation.




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© 2013 U.S. Financial, Ltd. Illinois Residential Mortgage Licensee