Joseph W. Harowski

SMART CHOICE FINANCIAL PLANNING

St. John, IN

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CRD#: 1015094

Professional summary

Joseph William Harowski, CFP® is a registered financial advisor currently at SMART CHOICE FINANCIAL PLANNING, INC. located in St. John, Indiana.

Joseph is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1981. Joseph has worked at 11 firms and has passed the Series 63, Series 65, Series 7 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph William Harowski's CRS (Customer Relationship Summary).

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 1987

Experience

Current

April 26, 2006 - Present

SMART CHOICE FINANCIAL PLANNING, INC.

RIA

CRD#: 140207

St. John, IN

Past

August 24, 2004 - May 3, 2006

UNITED PLANNERS' FINANCIAL SERVICES OF AMERICA A LIMITED PARTNER

RIA

CRD#: 20804

MERRILLVILLE, IN

Past

May 7, 2004 - May 3, 2006

UNITED PLANNERS' FINANCIAL SERVICES OF AMERICA A LIMITED PARTNER

CRD#: 20804

MERRILLVILLE, IN

Past

March 2, 2004 - March 24, 2004

NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC

CRD#: 2881

MILWAUKEE, WI

Past

May 11, 1998 - October 3, 2001

WELLS FARGO CLEARING SERVICES, LLC

CRD#: 19616

ST. LOUIS, MO

Past

January 29, 1998 - May 11, 1998

PRINCIPAL FINANCIAL SECURITIES,INC.

CRD#: 260

DALLAS, TX

Past

September 19, 1996 - January 29, 1998

WINGSPAN INVESTMENT SERVICES

CRD#: 17516

CHICAGO, IL

Past

September 19, 1991 - September 19, 1996

CETERA WEALTH SERVICES, LLC

CRD#: 13572

EL SEGUNDO, CA

Past

December 5, 1988 - October 2, 1991

HAMILTON INVESTMENTS, INC.

CRD#: 821

Past

September 14, 1983 - December 16, 1988

OBERWEIS SECURITIES, INC.

CRD#: 7739

Past

October 8, 1982 - February 8, 1983

FREDERICK T. CRETORS & CO., INC.

CRD#: 1553

Past

November 20, 1981 - February 14, 1982

REGAL SECURITIES, INC.

CRD#: 7297

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Illinois
(4/27/2006)

IAR

Indiana
(4/26/2006)

IAR

Texas
(1/4/2019)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

Series 63

Date: 5/18/2004

Uniform Securities Agent State Law Examination

State Security Law Exam

IAR

Series 65

Date: 5/26/1998

Uniform Investment Adviser Law Examination

General Industry/Product Exam

Series 7

Date: 8/19/2004

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 11/5/1991

General Securities Principal Examination

Current Firm

SMART CHOICE FINANCIAL PLANNING, INC.

CRD#: 140207 / SEC#:

Illinois

Registered Investment Advisory firm - (4/27/2006 Approved)

Indiana

Registered Investment Advisory firm - (4/18/2006 Approved)

Texas

Registered Investment Advisory firm - (1/2/2019 Conditional Restricted)

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Contact information

Main Address

St. John, IN

Mailing Address

P.o. Box 333, St. John, IN 46373

Phone number

(219) 682-7544

Established

Firm type

Fiscal year end

# of Employees

Documents

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	80
AUM (Assets Under Management)	$ 86,000,000

Red Flags

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Check for any disclosures as part of your thorough research when choosing an advisor.

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Firm Stability Insights

Joseph W. Harowski

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph William Harowski's CRS (Customer Relationship Summary).

Certified licenses

Experience

UNITED PLANNERS' FINANCIAL SERVICES OF AMERICA A LIMITED PARTNER

UNITED PLANNERS' FINANCIAL SERVICES OF AMERICA A LIMITED PARTNER

NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC

WELLS FARGO CLEARING SERVICES, LLC

PRINCIPAL FINANCIAL SECURITIES,INC.

WINGSPAN INVESTMENT SERVICES

CETERA WEALTH SERVICES, LLC

HAMILTON INVESTMENTS, INC.

OBERWEIS SECURITIES, INC.

FREDERICK T. CRETORS & CO., INC.

REGAL SECURITIES, INC.

State Registrations and Notice Filings

Exams

Series 63

Date: 5/18/2004

Series 65

Date: 5/26/1998

Series 7

Date: 8/19/2004

Series 24

Date: 11/5/1991

Current Firm

SMART CHOICE FINANCIAL PLANNING, INC.

Contact information

Documents

Regulatory assets under management

Red Flags

Company Information

SMART CHOICE FINANCIAL PLANNING, INC.

TRUST BUT VERIFY

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