Joseph W. Harowski, CFP^®

Joseph W. Harowski, a CERTIFIED FINANCIAL PLANNER™ practitioner for nearly twenty years, was first authorized to use the CFP® mark of distinction in 1987 and has retained his professional standing through the Certified Financial Planner Board of Standards, Inc., year after year, by adhering to their stringent ethics and continuing education  requirements.

As President of Smart Choice Financial Planning, Inc., a Registered Investment Adviser in the states of Indiana and Illinois, Joe provides independent financial planning services and investment advice to individuals and families who seek peace of mind today and a brighter financial future tomorrow.

He is a proud member of the Garrett Planning Network, an international affiliation of Fee-Only financial professionals who are pleased to work with clients on either an hourly-as-needed basis or a retainer basis, whichever the client prefers.  Because Smart Choice Financial Planning does not accept commissions from any source, Joe can be completely objective and provide the highest level of independent professional advice. Because the firm does not accept asset management fees from clients, there are no account minimums required to become a client. Now, anyone who would like to receive professional independent advice can get the help they need, at the intervals they desire.

With experience spanning twenty-six years, Joe is considered a veteran within the financial services industry. He brings to his clients the invaluable insights gleaned from working with brokerage firms, banks, insurance companies and comprehensive wealth management firms, as well as the experiences he had as an OSJ branch manager for an independent broker/dealer and from running his own consulting business.

Joe offers a complimentary, no-obligation Get Acquainted appointment – which can be conducted over the telephone or in person – so that you can mutually determine the scope of the potential work and quality of his services. Please contact Joe at Smart Choice Financial Planning, Inc. and get started today.

CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.