Advisor at Smart Choice Financial Planning, Inc.
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Firm
Smart Choice Financial Planning, Inc.
Location
St. John, IN
Credentials
CFP®, Series 63, Series 65
Industry experience
21 years
Joseph Harowski is a CFP® professional with 21 years of industry experience. He is the sole advisor at Smart Choice Financial Planning, Inc. and has been affiliated with United Planners Financial Services of America since 2004. Smart Choice Financial Planning offers financial planning, retirement and estate consultations, and portfolio monitoring to individuals, families, and small businesses without account minimums. The firm follows a primarily passive, low-cost investment approach and provides services on a project or fixed-fee basis with a fee-only, no-commission structure.
Based on Smart Choice Financial Planning, Inc.
Based on Smart Choice Financial Planning, Inc.
Portfolio monitoring services charged as negotiable annual flat fees billed semi-annually; fees vary depending on time demands and are customized per client.
Hourly financial planning fees at $250 per hour.
Fee-only: Financial planning fees are project-based hourly fees at $250 per hour; Portfolio monitoring service fees are negotiable annual flat fees billed semi-annually.
St. John, IN
Illinois · Indiana · Texas
United Planners Financial Services of America
2004 - Present (22 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
CFP®, Series 63, Series 65
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