Joel Mark Kosovsky

Employer firm

Horizon Financial Advisors, LLC CRD 127215

$18.9M regulatory AUM

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Periodicals / newsletters
• Educational seminars

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

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

Current Employers

Employment History

• 11/1998 → 10/2019
  1St Global Capital Corp.
  Farmington, CT
• 10/2002 → Present
  Horizon Financial Advisors
  Farmington, CT
• 05/2004 → Present
  Avantax Insurance Services, Inc.
  West Hartford, CT
• 05/2015 → Present
  Kosovsky And Company Cpas And Consultants, Llc
  West Hartford, CT
• 10/2019 → Present
  Avantax Investment Services, Inc.
  West Hartford, CT
• 08/2014 → Present
  Kosovsky Arapahoe Llc
  West Hartford, CT
• 06/2025 → Present
  Equity Indexed Annuity
  West Hartford, CT
• 09/2025 → Present
  Cetera Wealth Services, Llc
  El Segundo, CA

Previous Registrations

• 1999-03-03 → 2023-12-31
  Horizon Financial Advisors, Llc
  Farmington, CT
  West Hartford, CT
• 2018-01-30 → 2019-10-16
  1St Global Advisors Inc
  West Hartford, CT

Other Businesses

1) HORIZON FINANCIAL ADVISORS POSITION: Financial Advisor NATURE: Financial services INVESTMENT RELATED: Yes NUMBER OF HOURS: 40 SECURITIES TRADING HOURS: 8 START DATE: 11/1998 Address: Farmington, CT DESCRIPTION: Provide financial services to clients 2) KOSOVSKY AND COMPANY, CPA & CONSULTANTS, LLC POSITION: Member NATURE: CPA firm- tax and accounting services INVESTMENT RELATED: No NUMBER OF HOURS: 100 SECURITIES TRADING HOURS: 100 START DATE: 11/01/2014 ADDRESS: 16 Arapahoe Rd, West Hartford CT 06107, United States DESCRIPTION: Managing member 3) KPS & COMPANY, LLC POSITION: Managing member NATURE: CPA firm INVESTMENT RELATED: No NUMBER OF HOURS: 30 SECURITIES TRADING HOURS: 30 START DATE: 12/01/2012 ADDRESS: 6415 Lake Worth Rd #207, Greenacres FL 33463, United States DESCRIPTION: Managing member 5) KOSOVSKY ARAPAHOE LLC POSITION: Member NATURE: Rental of office building to Horizon Financial Advisors, LLC. Joel M. Kosovsky is the 100% owner of Kosovsky Arapahoe LLC INVESTMENT RELATED: No NUMBER OF HOURS: 1 SECURITIES TRADING HOURS: 1 START DATE: 08/01/2014 ADDRESS: 16 Arapahoe Rd, West Hartford CT 06107, United States DESCRIPTION: Paying mortgage and collecting rent checks and repairs and maintenance to building ADDRESS: 5958 Grand Harbour Circle, Boynton Beach FL 33437, United States DESCRIPTION: Offer and sale of insurance products through Avantax Insurance Entities that are approved through Avantax featuredpartners.

Exams

• S66 Uniform Combined State Law Examination
  1998-10-16

Designations

• Certified Financial Planner
• Personal Financial Specialist