JK
Joel M. Kosovsky
HORIZON FINANCIAL ADVISORS
WEST HARTFORD, CT 06107
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CRD#: 3158748
JK
Professional summary
Joel Mark Kosovsky, CFP® is a registered financial advisor currently at HORIZON FINANCIAL ADVISORS, LLC located in West Hartford, Connecticut and CETERA WEALTH SERVICES, LLC located in West Hartford, Connecticut.
Joel is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1999. Joel has worked at 5 firms and has passed the Series 66, SIE, 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.
1) HORIZON FINANCIAL ADVISORS POSITION: Financial Advisor NATURE: Financial services INVESTMENT RELATED: Yes NUMBER OF HOURS: 40 SECURITIES TRADING HOURS: 8 START DATE: 11/1998 Address: Farmington, CT DESCRIPTION: Provide financial services to clients 2) KOSOVSKY AND COMPANY, CPA & CONSULTANTS, LLC POSITION: Member NATURE: CPA firm- tax and accounting services INVESTMENT RELATED: No NUMBER OF HOURS: 100 SECURITIES TRADING HOURS: 100 START DATE: 11/01/2014 ADDRESS: 16 Arapahoe Rd, West Hartford CT 06107, United States DESCRIPTION: Managing member 3) KPS & COMPANY, LLC POSITION: Managing member NATURE: CPA firm INVESTMENT RELATED: No NUMBER OF HOURS: 30 SECURITIES TRADING HOURS: 30 START DATE: 12/01/2012 ADDRESS: 6415 Lake Worth Rd #207, Greenacres FL 33463, United States DESCRIPTION: Managing member 5) KOSOVSKY ARAPAHOE LLC POSITION: Member NATURE: Rental of office building to Horizon Financial Advisors, LLC. Joel M. Kosovsky is the 100% owner of Kosovsky Arapahoe LLC INVESTMENT RELATED: No NUMBER OF HOURS: 1 SECURITIES TRADING HOURS: 1 START DATE: 08/01/2014 ADDRESS: 16 Arapahoe Rd, West Hartford CT 06107, United States DESCRIPTION: Paying mortgage and collecting rent checks and repairs and maintenance to building ADDRESS: 5958 Grand Harbour Circle, Boynton Beach FL 33437, United States DESCRIPTION: Offer and sale of insurance products through Avantax Insurance Entities that are approved through Avantax featuredpartners.
CRS (Client Relationship Summary) - RIA
Click below to view Joel Mark Kosovsky'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®
Start date: 1989
Experience
Current
January 18, 2024 - Present
HORIZON FINANCIAL ADVISORS, LLC
Office #1: 16 Arapahoe Road, West Hartford, CT 06107RIA
CRD#: 127215
WEST HARTFORD, CT
Current
September 6, 2025 - Present
CETERA WEALTH SERVICES, LLC
Office #1: 16 Arapahoe Rd, West Hartford, CT 06107BD
CRD#: 13572
WEST HARTFORD, CT
Past
October 25, 2019 - September 8, 2025
AVANTAX INVESTMENT SERVICES, INC.
BD
CRD#: 13686
WEST HARTFORD, CT
Past
January 30, 2018 - October 16, 2019
1ST GLOBAL ADVISORS INC
RIA
CRD#: 111133
WEST HARTFORD, CT
Past
March 3, 1999 - December 31, 2023
HORIZON FINANCIAL ADVISORS, LLC
RIA
CRD#: 127215
West Hartford, CT
Past
January 4, 1999 - October 25, 2019
1ST GLOBAL CAPITAL CORP.
BD
CRD#: 30349
WEST HARTFORD, CT
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.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Colorado(9/6/2025)
IAR
Connecticut(1/18/2024)
RR
Connecticut(9/6/2025)
RR
District of Columbia(9/6/2025)
RR
Florida(9/6/2025)
RR
Maryland(9/6/2025)
RR
Massachusetts(9/6/2025)
RR
Nevada(9/6/2025)
RR
New Mexico(9/6/2025)
RR
New York(9/6/2025)
RR
South Carolina(9/6/2025)
RR
South Dakota(9/6/2025)
Exams
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
Principal/Supervisory Exam
SRO Registrations
RR
FINRA
Current Firm
HF
HORIZON FINANCIAL ADVISORS, LLC
HORIZON FINANCIAL ADVISORS, LLC
CRD#: 127215 / SEC#:
Connecticut
Registered Investment Advisory firm - (1/18/2024 Approved)Maine
Registered Investment Advisory firm - (12/11/2003 Terminated)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
16 Arapahoe Road, West Hartford, CT 06107
Mailing Address
Phone number
860-471-8323 X101
Established
Firm type
Fiscal year end
# of Employees
1
Regulatory assets under management
| Total Number of Accounts | 44 |
| AUM (Assets Under Management) | $ 18,928,653 |
Red Flags
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