Kowalski Financial Inc.

Kowalski Financial provides comprehensive financial planning and investment management to individuals, corporate pension and profit-sharing plans, charitable institutions, and foundations, managing about $202 million in discretionary assets for roughly 166 client households through a two-advisor team. The firm’s stated services include asset allocation, retirement and estate planning, tax and business services, education planning, and implementation of investment strategies.

The firm relies on model portfolios overseen by an Investment Committee, favors long‑term, buy‑and‑hold allocations with periodic rebalancing, and uses independent managers, mutual funds and ETFs rather than frequent individual stock picking. Brochure language indicates discretionary management within client guidelines and a tax-aware approach—reviewing past taxes, seeking tax efficiency in taxable accounts, and harvesting capital losses when appropriate.

Distinctive disclosures in the brochure note that advisors hold life and long‑term care insurance licenses and may receive commissions on insurance sales, and that the firm provides tax and business services alongside investment advice—features that are less common among similar supported firms. The brochure also emphasizes operational practices such as Schwab custody relationships and an explicit discussion of artificial intelligence and machine‑learning risks in third‑party service providers and the firm’s related due diligence.