Our History

At age 12, Naomi started her financial planning career path working at her father's life insurance office. Under his mentorship, she developed an interest in helping people to plan for the future and to ensure financial stability for loved ones after death. 

In college, she earned a degree in Bachelor of Arts Degree in Management and went on to attain a law degree from the Hamline University of Law. After working in law for a brief period, she realized that she missed the creative opportunities that financial planning offered. She made the decision to combine her passions and integrate her law degree and insurance background to offer estate and transitional planning to her clients. The result was the formation of Kowalik & Associates.

For over 29 years, Kowalik and Associates have been helping hard-working, freedom-loving, creative people who want to make their lives better.


Our Commitment

Our staff consists of experienced professionals with a "hands-on" approach to financial guidance. Not only will you find our team members knowledgeable, but you will also discover that our staff truly cares about making your dreams a reality. As your Financial Professionals, we will do everything in our power to keep you focused on where you want to go, advise you on how to get there, and continually remind you of the importance of maintaining a disciplined approach to realizing your dreams.

Mission Statement

To give our clients professional business and financial planning services in a caring and positive environment.