Wealth ManagersLisa2026-03-03T15:43:01-05:00

Welcome!

We believe it’s important to consider the many aspects of your financial life and have a partner that understands you and your goals. This relationship will assist with your decisions about what to spend and invest, mitigating risk, and how to leave an estate. Your life is personal, and your planning should be as well.

Those beliefs are the foundation of Kowal Financial Advisors, and we believe it’s what makes our financial advisors so distinct.

How We Are Different

Our firm puts you and your goals first.

Fiduciary & Fee Based

Independent Search

A Full Range of
Managed Portfolio

Wealth &
Legacy Planning

Retirement &
Income Planning

Insurance Risk Management

Comprehensive & Holistic

Personal Goal-Based

Advanced Technology

Young family on the soccer field

Planning Tailored
To You

These days, much of the financial advice you’ll encounter is just about investments, but at Kowal Financial Advisors we know that money isn’t just about investing. Your goals, feelings, and needs are the focus. We listen and provide solutions for your success. Anything you do that involves finances can impact your overall journey.

Together with your advisor, you’ll create a plan that strives to cover it all.

Market Commentary

Pitfalls to Avoid in Financial Planning

Four Ways to Help the Next Generation Get a Head Start

Active Warfare and the Markets

We’d love to
hear from you!

Office

12015 US Route 50
Suite 110
Fairfax, Virginia 22033

Email

info@kowalfa.com

Phone

Stay Connected

Things move fast in this industry, and our team at Kowal Financial Advisors places a high priority on staying up to date. Jan Kowal, CFP®, recently met with executive leadership from SEI and Stratos in Oaks, PA, to collaborate with a select group of advisors on evolving technology and AI.

Our take on technology is pretty straightforward: when we use sophisticated tools to handle day-to-day data and cut down on paperwork, our team gets to spend more time doing what we actually care about. And that’s sitting across the table from you, listening and delivering personal, thorough guidance.

We do the heavy lifting behind the scenes so we can continue to provide a robust experience when you walk through our doors.

#WealthManagement #FinancialPlanning #FinTech #KowalFinancialAdvisors #ContinuousLearning #CFP

Investment advice offered through Stratos Wealth Advisors, LLC, a registered investment advisor. Stratos Wealth Advisors, LLC and Kowal Financial Advisors, LLC are separate entities. The information in this material is not intended as tax or legal advice. Please consult a legal or tax professional for information regarding your individual situation.

Happy Father’s Day from the Kowal family to yours! They say the apple doesn’t fall far from the tree, and around our office, that’s certainly true. Jan and Jason Kowal don’t just share a last name; they share a genuine passion for helping families navigate their financial journeys.

Working side-by-side as father and son gives them a unique perspective on what it means to help protect a legacy. It’s not just business for them—it’s personal. Whether they’re talking strategy at the office or catching up over a weekend meal, the goal is always the same: making sure the next generation is taken care of.

To all the dads out there who are leading by example and building something meaningful for their kids—we see you, and we celebrate you today.

Enjoy the day with your loved ones!

#FathersDay #FamilyFirst #KowalFinancialAdvisors #LikeFatherLikeSon
Investment advice offered through Stratos Wealth Advisors, LLC, a registered investment advisor. Stratos Wealth Advisors, LLC and Kowal Financial Advisors, LLC are separate entities. The information in this material is not intended as tax or legal advice. Please consult a legal or tax professional for information regarding your individual situation.

After many decades of working with individuals and families, there are clear differences between people’s habits and their long-term financial success. Certain patterns show up again and again. Below is a list of common pitfalls that, if not addressed, can keep you from reaching your financial goals.

No Financial Plan: Traveling without a map makes it tough to find your destination.

Procrastination: Time can quickly become your worst enemy when you keep putting things off.

Unrealistic Expectations: Assuming things will just work out without discipline isn’t a strategy.

Too Much Debt: It’s an uphill battle trying to save for the future while carrying heavy balances.

...and that is just the first few.

We see these patterns disrupt hard work all the time, but they don't have to stall your progress. Head over to our website to read the rest of the list and see how getting a handle on these habits can help keep you moving forward.

👉 Read the full breakdown here [Link to articles on our website in bio]: https://kowalfinancialadvisors.com/pitfalls-to-avoid-in-financial-planning/

#FinancialPlanning #WealthManagement #RetirementPrep #SmartInvesting

Investment advice offered through Stratos Wealth Advisors, LLC, a registered investment advisor. Stratos Wealth Advisors, LLC and Kowal Financial Advisors, LLC are separate entities. The information in this material is not intended as tax or legal advice. Please consult a legal or tax professional for information regarding your individual situation. See less

Trump Accounts, 529s, Roth IRAs, and Buying a Home

There’s a common theme we’ve noticed after years of sitting across the table from clients with children: they aren’t just focused on their own retirement. Many are thinking more about their children and grandchildren. Whether it’s helping with a first home, a car, medical insurance or making sure a grandchild doesn’t graduate from college under a mountain of debt, many clients want to give the next generation a leg up. And, in most cases, they need it.

There have been some big changes recently in how you can save and gift money. Let’s get right to the practical stuff you can use. Read more at https://kowalfinancialadvisors.com/four-ways-to-help-the-next-generation-get-a-head-start/ [LINK to ARTICLES in our BIO].

#FamilyWealthPlanning #FinancialEducation #NextGenWealth #LegacyPlanning #SmartMoneyHabits

Investment advice offered through Stratos Wealth Advisors, LLC, a registered investment advisor. Stratos Wealth Advisors, LLC and Kowal Financial Advisors, LLC are separate entities. The information in this material is not intended as tax or legal advice. Please consult a legal or tax professional for information regarding your individual situation.

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Life is personal. We focus on family and relationships.

Office

12015 US Route 50
Suite 110
Fairfax, VA 22033

Email

info@kowalfa.com

Phone

Investment advice offered through Stratos Wealth Advisors, LLC, a registered investment advisor. Stratos Wealth Advisors, LLC and Kowal Financial Advisors, LLC are separate entities. Neither Asset Allocation nor Diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk. Stratos Wealth Advisors, LLC DBA Kowal Financial Advisors LLC does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.

Investment advisory services are offered through Stratos Wealth Advisors, LLC, a Registered Investment Advisor located in Beachwood, Ohio. www.stratoswealthadvisors.com.

Kowal Financial Advisors offers its financial services through Stratos Wealth Advisors LLC (“Stratos”), a Registered Investment Advisor with the U.S. Securities and Exchange Commission (the “SEC”) located in Beachwood, Ohio. Kowal Financial Advisors operates as a DBA branch of Stratos Wealth Advisors, LLC. More information regarding Stratos may be found at www.stratoswealthadvisors.com. Registration with the SEC does not imply a certain level of skill or training. Public information concerning Stratos Wealth Advisors is available at https://www.adviserinfo.sec.gov. A copy of the Stratos’ current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request and/or on this website at www.stratoswealthadvisors.com.

Stratos may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. Stratos’ website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Stratos’s website on the Internet should not be construed by any consumer and/or prospective client as Stratos’ solicitation to effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Stratos with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of Stratos’ current written disclosure Brochure discussing Stratos business operations, services, and fees are available from Stratos upon written request. Stratos does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Stratos’ website or incorporated herein and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed here. When you link to any of the websites provided here, you are leaving this website. The information and opinions contained in any of the material requested from this website are provided by third parties as well. They are for informational purposes only and are not a solicitation to buy or sell any product mentioned. We make no representation as to the completeness or accuracy of the information provided by these third-party websites or third-party materials.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Stratos Wealth Advisors, LLC), will be profitable or equal any historical performance level(s).

The opinions voiced in the material presented in the articles are for general information only and do not specifically address individual investment objectives, financial situations, or the particular needs of any specific person who may read these articles. The information provided is believed to be from reliable sources but no liability is accepted for any inaccuracies. This is for informational purposes and should not be construed as an investment recommendation. Nothing in this newsletter constitutes individual investment, legal, or tax advice. Kowal Financial Advisors and Stratos Wealth Advisors, LLC and its affiliates do not provide tax and/or legal advice or services. Please consult your tax and/or legal advisor regarding your specific situation.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

Certain portions of Stratos’ website (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Stratos (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Stratos, or from any other investment professional. Stratos Wealth Advisors, LLC is neither an attorney nor an accountant, and no portion of the website content should be interpreted as legal, accounting, or tax advice.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Stratos’ website, to release and hold harmless Stratos, its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Stratos.

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