Michael Joseph Kowal

Employer firm

LPl Financial LLC CRD 6413

$819B regulatory AUM 209,600 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)
• Educational seminars
• CONSULTING AND OTHER NON-DISCRETIONARY ADVISORY SERVICES

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 01/2013 → 10/2023
  Cetera Advisor Networks Llc
  El Segundo, CA
• 01/2017 → 09/2020
  Applied Marketing Group Llc, Dba Gateway Marketing, Giftfrog
  Avon, OH
• 06/2023 → 10/2023
  Cetera Investment Advisers Llc
  Schaumburg, IL
• 08/2011 → Present
  Applied Asset Management
  Avon, OH
• 10/2023 → Present
  Lpl Financial Llc
  Avon, OH

Previous Registrations

• 2023-06-29 → 2023-10-05
  Cetera Investment Advisers Llc
  Westlake, OH
• 2011-08-01 → 2023-06-29
  Cetera Wealth Services, Llc
  Avon, OH
  Westlake, OH
  Westlake, OH
• 2009-09-21 → 2011-08-03
  Osaic Wealth, Inc.
  Avon, OH

Other Businesses

1) 08/24/2023 - APPLIED ASSET MANAGEMENT LLC - DBA for LPL Business (entity for LPL business) - Inv Rel - At Reported Business Location(s) - Start: 08/2013 2) 02/18/2025 - MY MEDICHOICE NETWORK LLC DBA MY MEDICARE NETWORK DBA: MediQuote - Insurance Agency - Inv Rel - At Reported Business Location(s) - Start: 10/01/2018 - 60 hours per month/ during trading 3) 09/29/2025- MJK Financial- DBA for LPL Business (entity for LPL business)- INV Related- At Reported Business Location(s)- Start date 10/01/2025- 160 Hours Per Month- 160 Hours During Trading 4) 0720/2026 - My Medichoice Network (DBA: My Medicare Network) - Non-Variable Insurance - Investment Related - At Reported Business Location(s) - Start Date 02/23/2026 - 80 hours per month/ during trading

Exams

• S66 Uniform Combined State Law Examination
  2010-07-08