Stephen and the members of his team, The Harbor Group, assist companies, business owners, and executives with over $1 million in investible assets. We help them develop executable plans for their personal and business needs. We work to simplify client's lives by assisting them with coordination between the deep resources of Merrill, and their other advisors.
Stephen Kowalski, CFP^®, C(k)P^®, CRPC^TM and CPFA^® is a Wealth Management Advisor, and a Certified 401(k) Professional serving businesses, business owners, and their families. He joined Merrill Lynch Wealth Management in 2003. Stephen has more than twenty years of banking and investment experience and holds an undergraduate degree in Economics from Muhlenberg College and an MBA from Rutgers Business School. He was awarded the CERTIFIED FINANCIAL PLANNER^® certification from the Certified Financial Standards Board, Inc. and The Chartered Retirement Planning Counselor^TM designation from the College for Financial Planning Institutes Corp. He also holds the Certified Plan Fiduciary Advisor^® designation. He has extensive commercial banking and capital market experience, previously serving in Bank of America’s Corporate Finance Advisory Division. His background makes him well suited to help both companies and individual clients develop plans and tactics to manage their financial objectives.  Stephen is a Senior Retirement Benefits Consultant, who helps employers pursue their retirement plan objectives by assisting with plan design and the selection of providers for their plan. Stephen resides in Montville, New Jersey with his wife, and has two grown children. He is a member of the Kiwanis Club of Montville, and a member of the Leadership Morris Alumni Association.