Joseph W. Harowski is a Certified Financial Planner ™ practitioner since 1987 and has retained his professional standing through the certified financial planner board of standards year-after year by adhering to their stringent ethics and continuing education requirements.

Joe is also a member of NAPFA, the National Assosication of Personal Financial Advisers, is in good standing and has maintained their continuing education requirements.

As president of Smart Choice Financial Planning, Inc., a registered investment advisory firm registered in the states of Indiana, Illinois and Texas, Joe provides independent financial planning services and investment advice to families and businesses looking to clean up their financial lives and get more efficient with their investment and insurance portfolios.

Because Joe does not sell anything or accept commissions from any source, you receive completely objective, independent and professional advice.

With experience spanning over forty years, Joe is a veteran within the industry and is someone you can trust to watch over your investment portfolio and offer you a fiduciary relationship while you attend to your busy life.

Consider a no-obligation meeting to get your questions answered and to see if Joe might be able to help. Portfolio services are offered on a flat fee basis and hourly rates are available as well. Contact Joe at Smart Choice to get started today! Direct line 219-682-7544 or email

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 initial and ongoing certification requirements.

Ready to talk?

Serving Northwest Indiana and Chicagoland, give us a call and we can discuss your situation.