# Joseph Harowski

> Joseph Harowski is a fee-only financial advisor at Smart Choice Financial Planning in St. John, Indiana, who holds the CFP credential. Joseph charges a flat fee or retainer, hourly fees and an ongoing planning fee ($250 an hour).

Page: https://find.wellspent.co/advisors/joseph-harowski/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Smart Choice Financial Planning
- **Based in:** St. John, Indiana
- **Fee model:** Flat fee or retainer; Hourly; Ongoing planning fee
- **Fees (firm's website):** $250 an hour
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $96M across 80 accounts
- **Credentials:** CFP
- **CRD:** 1015094 (https://adviserinfo.sec.gov/individual/summary/1015094)
- **SEC registration:** Investment adviser representative in IL, IN, TX
- **Exams passed:** Series 63 (2004), Series 65 (1998)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.smartchoicefinancialplanning.com

## Frequently asked questions

### Is Joseph Harowski a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Joseph holds no broker registration, and Smart Choice Financial Planning reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Joseph charge for financial advice?

Joseph charges a flat fee or retainer, hourly fees and an ongoing planning fee.

### How much does Joseph charge?

According to Smart Choice Financial Planning's website, checked October 30, 2026: $250 an hour.

### Where is Joseph Harowski based?

Joseph Harowski is based in St. John, Indiana.

### What credentials does Joseph Harowski hold?

Joseph Harowski holds the CFP credential.

### Is Joseph Harowski registered with the SEC?

Yes. Joseph Harowski is registered as an investment adviser representative in IL, IN and TX (CRD 1015094), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Smart Choice Financial Planning manage?

Smart Choice Financial Planning reports $96M across 80 accounts in assets under management.

### How do I contact Joseph Harowski?

Through Joseph's website, www.smartchoicefinancialplanning.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1015094): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.smartchoicefinancialplanning.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.