Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Credentials
Series 65, Series 66
Experience Industry experience
27 years
Location
Cedarville, MI
Raymond James & Associates
Institution
Allen Kowalski is a financial advisor with Raymond James & Associates, holding Series 65 and Series 66 credentials and bringing 27 years of industry experience. He has been with Raymond James & Associates since 2010. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and advisory services featuring non-discretionary consulting, supported by a variety of portfolio management styles and affiliated research.
Based on Raymond James & Associates
Based on Raymond James & Associates
Fixed (flat) dollar fee available for planning services and SIMPLE IRA Employer Advisory & Consulting Services Program quarterly fixed fees.
Commissions earned by financial advisors as registered representatives for brokerage transactions.
Hourly Fees for planning and/or investment consultation services generally charged up to $400 per hour.
Fee-only: Hourly fees generally up to $400 per hour; Fixed (flat) fees available for planning services.
Cedarville, MI
Cedarville MI
Advisors at this office
1
Michigan · Texas
27 years of industry experience
Raymond James & Associates
2010 - Present • 16 years
Muskegon, MI
Merrill
2004 - 2010 • 6 years
MI
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
CFP®, Series 63, Series 66
Mackinac Island, MI
Morgan Stanley
Kimberly Crane is a CFP® professional with 27 years of industry experience, currently affiliated with Morgan Stanley. Her background includes roles at Wells Fargo Bank, N.A., Wells Fargo Advisors LLC, and Morgan Stanley Private Bank, N.A. She serves on the board of the Hubbards Annex Homeowners Association, a nonprofit organization on Mackinac Island, Michigan. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations as part of its standalone planning service.
Series 63, Series 66
Mackinac Island, MI
Morgan Stanley
Jeffrey Gembis is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 42 years of industry experience. His career includes long tenures at Merrill and Bank of America before joining Morgan Stanley in 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured processes and advanced modeling tools.
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