Wealth ManagersLisa2025-12-03T09:56:48-05:00

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

A Year Of Market Uncertainty and Resiliency

2025 Year-End Planning as We Approach 2026

Artificial Intelligence is Everywhere!

We’d love to
hear from you!

Office

12015 US Route 50
Suite 110
Fairfax, Virginia 22033

Email

info@kowalfa.com

Phone

Stay Connected

Artificial Intelligence (AI) has rapidly become a dominant force in the modern economy. It is significantly driving stock market growth, and its influence is pervasive in daily life. From your phone, Netflix, and smart devices, to call centers, educational apps, transportation, and social platforms, various forms of AI are actively being deployed. Furthermore, conversations with tools like ChatGPT have become a major source for generating ideas and automating tasks.

Read full article on our website - link in bio.
https://kowalfinancialadvisors.com/artificial-intelligence-is-everywhere/

#artificialintelligence #education

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.

Our Annual Staff Holiday Lunch is in the books!

We had a fantastic time catching up, laughing together and it was especially nice to have Dale back with us for the afternoon to join in the festivities.

Wishing everyone a safe and happy holiday season from the whole crew at Kowal Financial Advisors!🕎🎄❄️🎁🔔

#KowalFinancialAdvisors #HappyHolidays #FairfaxVA #WealthManagement #OfficeCulture

This year has been one of uncertainties regarding shifts in economic policies and government actions (shutdown and shrinkage). Markets have adapted to the new environment with developments in Artificial Intelligence (AI) dominating the market. Capital expenditure and investment in AI have been enormous – contributing to over half of the market’s growth. Recent expected interest rate adjustments, a reduction and elimination of most tariffs, continued consumer demand, corporate profitability, lower tax rates, and deregulation have all led to elevated stock market indices. International markets have also seen significant gains, enhancing our commitment to diversified portfolio performance.

Read more on our website - link in bio.

#economicpolicies #WealthAdvisors #FinancialPlanning #financialadvisor #personalfinance #FairfaxWealthAdvisor #KowalFinancialAdvisors

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.

As we close out 2025, it’s the perfect time to make sure your financial plans are aligned for the year ahead. Contribution limits are changing, new rules are taking effect, and several deadlines could impact your taxes, retirement savings, gifting strategies, and more. A few smart moves before year-end can help you start 2026 on a stronger financial footing. Be sure and check out our recent article for key updates and reminders to guide your planning [link to recent articles in bio].

https://kowalfinancialadvisors.com/2025-year-end-planning-as-we-approach-2026/

#WealthAdvisors #FinancialPlanning #financialadvisor #personalfinance #KowalFinancialAdvisors

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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