KOWALSKI FINANCIAL INC.

Overview

Kowalski Financial Inc. is an independent, individual-owned registered investment adviser that focuses on serving individual and family clients, with additional work for small businesses. The firm combines traditional advisory services — financial planning and discretionary portfolio management — with business activities as an insurance broker and accountant, giving it a blended offering that spans financial planning, risk management and tax-aware advice. Fee arrangements include percentage-of-AUM billing alongside fixed fees, which supports both ongoing portfolio management relationships and project-based planning work. Investment positioning is equity‑tilted: the firm favors exchange‑traded equities and uses separately managed account (SMA) structures as a core vehicle. Kowalski Financial is not an ESG-focused manager and is not structured as a capital allocator; it operates primarily at the individual/family level rather than as an institutional or pension consultant. The adviser tends to pair liquid public-market exposures (individual stocks and ETFs) with third‑party alternative managers for clients who qualify for those strategies.

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Public Holdings

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Location & Offices