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Real humans for real financial success.  At Kowalski Financial we’re well ahead of tax deadlines creating a stress free tax season. Our success lies in being a human to human business, no robots on the phone, and no AI answering your questions. When you call us, our real human Michelle, Chief Operating Officer & Sr…

What is an HSA A Health Savings Account (HSA) helps you save and pay for certain health care costs. You can contribute money to the account and withdraw it tax free when you use it for qualified medical expenses. If you have an HSA-eligible health plan, you can open an HSA through your employer or…

You want your child to grow up confident and capable, and that includes knowing how to manage money. If you’re like most parents, you probably didn’t get much financial guidance yourself growing up. In this article we dive into Financial literacy for kids. You’ll find age appropriate financial lessons and real world activities you can…

Pay off debt by using the snowball or avalanche approach. Tackling debt will be one of the best things you can do for yourself and your future. By knowing your financial health, budgeting and sticking to your plan you can get out of debt. With each credit card paid off you’ll be in better shape.…

Picture this: You and your partner are waking up to the sound of waves, sipping coffee on your balcony overlooking the Mediterranean. A cruise through Europe’s stunning coastlines is the goal—now, let’s talk about how to budget for your dream vacation to make it happen. Okay, maybe the idea of being stuck on a ship…

Stock market volatility in 2025 has taken investors on a wild ride during the first four months of the year. The seven days following Trump’s “Liberation Day” tariff announcement saw the S&P 500 drop more than 12%. Then, on April 9th, he backed off and announced a 90-day pause on reciprocal tariffs, leading the S&P…

A Roth IRA and a Traditional IRA both help you save for retirement, but there is a difference in how you pay taxes and when you can withdraw money. Here is a breakdown of the differences between a Roth IRA and a Traditional IRA: Tax Treatment Roth IRA: Contributions are made with after-tax dollars (meaning…

How are you able to maintain financial security, even after retirement? And when you have created a good retirement plan, did you keep the ever changing financial landscape into account? A good retirement plan helps you to make informed decisions about the way you can spend your time after you stop working. In this blog…

So, you’re getting ready to retire. What will you do with all those Freedom Chips? Freedom Chips™ are a way to think about your financial life. They are your very own assets that you build up over time and then claim at the right time to do whatever it is you want to do. So,…

Providing for your family is important. A financial plan helps families create a carefree future and education planning plays an important role in that. How do you start making an education plan? Is it better to start saving or investing? And what do you need to know when it comes to making sure you and…