Joel M. Kosovsky

HORIZON FINANCIAL ADVISORS

WEST HARTFORD, CT 06107

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CRD#: 3158748

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.

The advisor shows no other business activity.

Blog Corner

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^®

Certified Financial Planner

Start date: 1989

Experience

Current

January 18, 2024 - Present

HORIZON FINANCIAL ADVISORS, LLC

Office #1: 16 Arapahoe Road, West Hartford, CT 06107

RIA

CRD#: 127215

WEST HARTFORD, CT

Current

September 6, 2025 - Present

CETERA WEALTH SERVICES, LLC

Office #1: 16 Arapahoe Rd, West Hartford, CT 06107

CRD#: 13572

WEST HARTFORD, CT

Past

October 25, 2019 - September 8, 2025

AVANTAX INVESTMENT SERVICES, INC.

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.

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.

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

Colorado
(9/6/2025)

IAR

Connecticut
(1/18/2024)

Connecticut
(9/6/2025)

District of Columbia
(9/6/2025)

Florida
(9/6/2025)

Maryland
(9/6/2025)

Massachusetts
(9/6/2025)

Nevada
(9/6/2025)

New Mexico
(9/6/2025)

New York
(9/6/2025)

South Carolina
(9/6/2025)

South Dakota
(9/6/2025)

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. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 66

Date: 10/16/1998

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 1/2/1999

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 7/30/1999

General Securities Principal Examination

SRO Registrations

FINRA

Current Firm

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)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

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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

Documents

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	44
AUM (Assets Under Management)	$ 18,928,653

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

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

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Advisor Monitoring

Firm Stability Insights

Joel M. Kosovsky

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joel Mark Kosovsky's CRS (Customer Relationship Summary).

Certified licenses

Experience

HORIZON FINANCIAL ADVISORS, LLC

CETERA WEALTH SERVICES, LLC

AVANTAX INVESTMENT SERVICES, INC.

1ST GLOBAL ADVISORS INC

HORIZON FINANCIAL ADVISORS, LLC

1ST GLOBAL CAPITAL CORP.

State Registrations and Notice Filings

Exams

Series 66

Date: 10/16/1998

SIE

Date: 10/1/2018

Series 7

Date: 1/2/1999

Series 24

Date: 7/30/1999

FINRA

Current Firm

HORIZON FINANCIAL ADVISORS, LLC

Contact information

Documents

Regulatory assets under management

Red Flags

Company Information

HORIZON FINANCIAL ADVISORS, LLC

TRUST BUT VERIFY

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