Andrew S. Kowal

MBM WEALTH CONSULTANTS

Chesterfield, MO 63017

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CRD#: 7545671

Professional summary

Andrew Steven Kowal, who also goes by Andy Steven Kowal, Andy Kowal, is a registered financial advisor currently at MBM WEALTH CONSULTANTS, LLC located in Chesterfield, Missouri.

Andrew is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2022. Andrew has worked at 4 firms and has passed the Series 63, Series 65, Series 7TO and SIE exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Andy Steven Kowal | Andy Kowal

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) AK Financial Group, LLC; Not investment related; Chesterfield MO; Nature: Business entity for tax purposes only; Position: Member; Start Date: 09/2023; 0 hrs/mo; 0 hrs/mo during trading hours; Duties: No active duties. 2) Shenandoah Valley Elementary School Parent Teacher Organization; Not investment related; Chesterfield, MO; Voluntary Position - Treasurer; Start Date: 07/2025; 3 hrs/mo; 0 hrs/mo during trading hours.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Andrew Steven Kowal's CRS (Customer Relationship Summary).

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®

None

Experience

Current

May 1, 2025 - Present

MBM WEALTH CONSULTANTS, LLC

Office #1: 400 Chesterfield Center Suite 125, Chesterfield, MO 63017

RIA

CRD#: 169091

Chesterfield, MO

Past

March 15, 2024 - December 20, 2024

LPL FINANCIAL LLC

RIA

CRD#: 6413

ST. PETERS, MO

Past

November 29, 2023 - December 16, 2024

CORNERSTONE WEALTH MANAGEMENT, LLC

RIA

CRD#: 164666

ST. PETERS, MO

Past

November 15, 2023 - December 20, 2024

LPL FINANCIAL LLC

CRD#: 6413

ST. PETERS, MO

Past

May 26, 2022 - April 25, 2023

MONETA GROUP INVESTMENT ADVISORS, LLC

RIA

CRD#: 104727

ST. LOUIS, MO

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

MBM WEALTH CONSULTANTS, LLC

MBM WEALTH CONSULTANTS, LLC | ZANTRILLION WEALTH ADVISORS, LLC

CRD#: 169091 / SEC#: 801-112994

RIA

Registered Investment Advisory firm - (4/27/2018 Approved)

Missouri

Registered Investment Advisory firm - (5/10/2018 Terminated)

Texas

Registered Investment Advisory firm - (5/10/2018 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).

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

Missouri
(5/1/2025)

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.

Exams

State Security Law Exam

Series 63

Date: 11/15/2023

Uniform Securities Agent State Law Examination

State Security Law Exam

IAR

Series 65

Date: 5/26/2022

Uniform Investment Adviser Law Examination

General Industry/Product Exam

Series 7TO

Date: 11/15/2023

General Securities Representative Examination

General Industry/Product Exam

SIE

Date: 10/20/2023

Securities Industry Essentials Examination

Current Firm

MBM WEALTH CONSULTANTS, LLC

MBM WEALTH CONSULTANTS, LLC | ZANTRILLION WEALTH ADVISORS, LLC

CRD#: 169091 / SEC#: 801-112994

RIA

Registered Investment Advisory firm - (4/27/2018 Approved)

Missouri

Registered Investment Advisory firm - (5/10/2018 Terminated)

Texas

Registered Investment Advisory firm - (5/10/2018 Terminated)

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Contact information

Main Address

16401 Swingley Ridge Rd. Suite 450, Chesterfield, MO 63017

Mailing Address

Phone number

(636) 274-6262

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (15 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

MBM 2025 ANNUAL DISCLOSURE BROCHURE (3/20/2025)

Regulatory assets under management

Total Number of Accounts	1,542
AUM (Assets Under Management)	$ 417,890,470

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
09/24/2025	Cover Page	Report
08/28/2024	Cover Page	Report
10/25/2023	Cover Page	Report

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

Andrew S. Kowal

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Andrew Steven Kowal's CRS (Customer Relationship Summary).

Certified licenses

Experience

LPL FINANCIAL LLC

CORNERSTONE WEALTH MANAGEMENT, LLC

LPL FINANCIAL LLC

MONETA GROUP INVESTMENT ADVISORS, LLC

Primary Firm SEC Registration

MBM WEALTH CONSULTANTS, LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 11/15/2023

Series 65

Date: 5/26/2022

Series 7TO

Date: 11/15/2023

SIE

Date: 10/20/2023

Current Firm

MBM WEALTH CONSULTANTS, LLC

Contact information

SEC notice filing (15 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

MBM WEALTH CONSULTANTS, LLC

TRUST BUT VERIFY

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