Kowalski Financial Inc

CRD#300424
Investment Advisor Firm

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Overview

Kowalski Financial Inc operates as a financial advisory firm located in Minneapolis, Minnesota. Kowalski Financial Inc controls $68.2 million in assets over 489 accounts. The firm has a small team of three employees, 1 of whom is a financial advisor. Kowalski Financial Inc is not a registered broker-dealer, signifying that the advisor is not able to buy and sell securities for its own accounts as well as its customers' and instead is required to go through a broker-dealer company to do so. Securities are tradable fiscal assets such as stocks, options and bonds.

Kowalski Financial Inc manages all of its client assets in a discretionary manner. Discretionary management means that buy and sell choices for the client's account are made by an investment advisor without needing to seek client approval. The advisory firm's average account size is $139,468. $63,000,000 of their financial planning investments were in securities, with under $100,000 invested in non-securities. The average advisor at Kowalski Financial Inc oversees about 489 client accounts.

The company's headquarters is at 600 Highway 169 South, Minneapolis, Minnesota 55426. The firm is permitted to provide services to customers in the state of Minnesota.

Number of Advisors

1

Disclosures

No

Office Location

600 Highway 169 South
Minneapolis, MN 55426

Kowalski Financial Inc by the Numbers

Total Number of Employees

3

National Average: 4,943
Total Number of Accounts

489

National Average: 2,522
Average Account Size

$139.5 thousand

National Average: $1.3 million

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Products and Services

Services that Kowalski Financial Inc offers can include financial planning services and portfolio management for individuals and small businesses. In the prior fiscal year, it provided financial planning services to 101-250 of its clients. Kowalski Financial Inc does sell products or offer services different than investment advisory services to its clients.

Core Advisor Services

  • Offered by 45% of firms

    Financial Planning Services

    This is the process of planning for your financial future, including for events such as retirement, your child's college education or estate succession.

  • Offered by 63% of firms

    Portfolio Management

    This is the selection and management of an investment mix and portfolio strategy for individuals and small businesses.

  • Find a firm that offers this service

    Market Timing Services

    This is the practice of attempting to make short-term profits on investments by buying low and selling high.

Other Services

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Fee Structure

Fees for financial advice largely depend on the type of financial services provided. Fee types charged by the company typically consist of the following fee structures: asset-based. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm. It can withdraw its fees directly from customer accounts.

Available

  • Offered by 75% of firms

    Percentage of Assets

    Show Explanation

    This fee, which is the most common fee type charged by advisors for portfolio management, is based on the amount of assets you have under management. Also referred to as an asset-based fee, this fee typically ranges from 0.50%-2.00% of AUM annually. You'll typically pay a lower rate the more assets you have under management.

Unavailable

  • Find one of the 37% of firms that offer this fee type

    Hourly

    Show Explanation

    Like a lawyer, a financial advisor may charge you by the hour. This can be helpful if you are only looking for short-term or one-time advice. Rates typically range from $100-$300 per hour, depending on the complexity and level of services needed.

  • Find one of the 3% of firms that offer this fee type

    Commissions

    Show Explanation

    Occasionally, advisors earn commissions from selling financial products, such as securities or insurance policies, or making certain referrals or transactions. Advisors who earn commissions may be incentivized to make certain recommendations to clients in order to make a commission. Fee-only advisors do not earn commissions, while fee-based advisors may.

  • Find one of the 17% of firms that offer this fee type

    Performance-based

    Show Explanation

    Advisors only earn performance-based fees if a portfolio outperforms a defined benchmark. This fee may be calculated in a number of ways but most commonly is charged as a percentage of investment profits. Performance-based fees may incentivize advisors to make riskier decisions in order to generate higher returns.

  • Find one of the 1% of firms that offer this fee type

    Subscription

    Show Explanation

    Firms generally charge this fee for educational materials provided, such as a monthly magazine. This can be useful if you want to learn about investing or financial management on your own.

  • Find one of the 40% of firms that offer this fee type

    Fixed

    Show Explanation

    Fixed fees are a one-time, lump sum charged for a specific service, like the creation of a financial plan without subsequent implementation. This can be useful if you only need advice for one specific purpose, rather than a long-term advisor. Fixed fees usually range from $1,000 to $3,000.

  • Find one of the 12% of firms that offer this fee type

    Other

    Show Explanation

    Firms can sometimes charge customers using non-traditional fee structures. See this firm's Form ADV for more details.

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Types of Clients

Kowalski Financial Inc caters to retail investors. Out of its 489 clients, Kowalski Financial Inc's largest client group is retail investors. None of the firm's customers reside abroad.

  • High-Net-Worth Individuals* - 0%
  • Other Individuals - 100%
  • Corporations - 0%
  • Charitable Organizations - 0%

* The U.S. Securities and Exchange Commission (SEC) defines a high-net-worth individual as someone who has at least $750,000 under management.

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Disclosures

Kowalski Financial Inc does not have any disclosures.

Please visit its Form ADV for more details.

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This content was compiled from the SEC and FINRA