GREATER MILWAUKEE AREA

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Jeffrey Kowal, ChFC, CLU, AEP
President, KIG
Branch Manager, RJFS

Jeff Kowal, President, ChFC, CLU, AEP, has been helping individuals plan for their retirement for more than 30 years. He is a Registered Principal for Raymond James Financial Services, Inc., a Registered Representative, and an investment advisory representative. Jeff is a member and past President of the Financial Planning Association of SE Wisconsin and of the Milwaukee Association of Life Underwriters (currently NAIFA, SE Wisconsin). He also holds membership in the Society of Financial Service Professionals, the Milwaukee Estate Planning Forum, and the Waukesha Estate Planning Council.

Jeff hosts “The Retirement Clinic,” a weekly call-in radio show aired Saturdays from 12:00-1:00 p.m. on News/Talk Radio 1130 WISN. He can also be heard on 1130 WISN during the 3:00 and 5:00 news broadcast with the daily Market Reports.

In his free time, Jeff likes to travel with his wife, Jane. He also loves to spend time with his family, especially his granddaughters!

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Aaron Kowal, CFP®
Managing Director, KIG
Senior Financial Advisor, RJFS

Aaron T. Kowal, CFP ® , has been working in the financial industry for over 15 years. He is Past President and on the Board of Directors for the National Association of Insurance and Financial Advisors of Southeast Wisconsin, board member in the Financial Planning Association of Southeastern Wisconsin, and member of the Society of the Financial Service Professionals.

As a Financial Advisor at the Kowal Investment Group, Aaron is responsible for all areas of retirement planning including investment accounts, estate planning and 401(k) management. Aaron can be heard on AM 1130 WISN during the 3:00 and 5:00 news with the daily Market Reports. Aaron can also be heard on FM 104.9 WTKM the first Tuesday of every month at 10:00.

When not in the office, Aaron enjoys spending time with his wife, Laura, and two young daughters.

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Kiersten Beecroft, AAMS®
Financial Advisor, RJFS

Kiersten Beecroft joined the Kowal Investment Group in 2013 and is a Registered Representative and an Investment Advisor Representative. She has over 5 years of experience working in the financial services industry and holds current Series 7, 66, and 63 Securities Registrations and is a licensed Life and Health Insurance agent.

Kiersten graduated from the University of Wisconsin-Oshkosh with a BBA in Finance. She is a member of the Financial Planning Association of Wisconsin and the National Association of Insurance and Financial Advisors of Wisconsin. Her contributions to the Kowal Investment Group Blog can be read on a bi-monthly basis.

When not in the office, you can find Kiersten spending time with her family and two dogs. She also enjoys traveling, cooking, and spending time outdoors.

Aaron Spitzner, CFP®
Associate Financial Advisor, RJFS

Aaron Spitzner joined the Kowal Investment Group in 2016.  He holds a Bachelor of Arts in Economics from the University of Wisconsin-Madison. In 2015, he earned his CFP® designation, one of the most rigorous and well-recognized in the financial services industry. He also holds his Series 7 and Series 66 licenses.

Prior to joining Kowal Investment Group, Aaron spent 7 years at BMO Harris (formally Marshall and Ilsley) holding roles as a Personal Banker, Investor Services Associate and Financial Advisor Support. In his most recent role as an Internal Consultant, he was responsible for educating advisors on investment solutions.

In his free time, Aaron enjoys spending time with his wife Megan, their new baby girl Emerson Belle, and dog Ruby. He also enjoys cheering for the Packers and Badgers, running, and volunteering with Habitat for Humanity.

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Jeff Beecroft, CFP®
Financial Advisor, RJFS

Jeff Beecroft has over 24 years of experience working in the financial services industry. He currently holds designations as a CERTIFIED FINANCIAL PLANNER™, a Registered Representative, and an Investment Advisor Representative. In addition to holding series 6, 63, 7, and 24 Securities Registrations, Jeff is Insurance licensed in Life, Health, and Long-Term Care.

As a Financial Advisor at Kowal Investment Group, Jeff provides comprehensive investment planning and management services, focusing on wealth preservation, retirement planning, and retirement income planning strategies.

Away from the office, Jeff enjoys spending time with his family (including two grand-dogs), cooking, and a variety of outdoor activities.

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Paul Schaefer, CPA
Controller/Director of Operations, KIG
Financial Advisor, RJFS

Paul Schaefer joined the firm in 2010. He has worked in the financial services industry since receiving his BBA from the University of Wisconsin-Madison in 2004. He received his MS-Accounting degree from the University of Wisconsin-Milwaukee in 2011. He is a Registered Representative and an Investment Advisor Representative, holding Series 7 and 66 Securities Registrations. He is responsible for office operations management, financial planning and strategy, and compliance policies and procedures oversight.  Paul also assists with client financial plans and management of their investment portfolios.

Outside the office, Paul enjoys running, reading, and spending time with his wife, Noura, and son, Adam, who, like his father, is an avid Packers fan and Jeopardy! viewer.

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Paula Bergquist
Senior Client Service Specialist

Paula Bergquist has been with Kowal Investment Group since 2001 and holds her Series 7 and 66 Securities Licenses.  Prior to joining the firm, she attended Winona State University and held a lead administrative role with a Big 5 Public Accounting company.

As the Senior Client Service Specialist, she is responsible for servicing client accounts, ensuring the client service staff is well informed of our industry practices and that we are providing excellent service to all of our clients.

Paula loves to play tennis, walk, hike in the National Parks and spend time with her husband and family.

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Rebecca Muraszewski
Client Service Specialist

Rebecca Muraszewski joined the Kowal Investment Group in February 2015 as a Client Specialist. She has over 12 years of experience in the Financial Industry, with the last 8 years being in Private Wealth Management.  She is a registered representative and holds Series 7, Series 66, and Series 9 Security Licenses.

Prior to joining the firm, Rebecca worked as a registered Client Specialist for an employee-owned international financial services firm.

Rebecca is a member of the young professional’s networks NEWaukee, and FUEL Milwaukee. She enjoys participating in league trivia, cooking, reading, theatre, traveling, and spending time with her family.

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Karen Nord
Client Service Specialist

Karen joined the Kowal Investment Group in October of 2014. In her role, she is responsible for servicing client accounts. She’s currently pursuing her Series 7 Securities License.

Prior to joining the firm, she worked for BMO Harris Financial Group in the Trade Settlements team. She’s been in the financial services industry ever since graduating from the University of Wisconsin-Milwaukee in 2004 with a BBA in Finance.

When not in the office, she’s at home spending time with her husband and two young daughters. She loves experimenting with new recipes, baking, listening to music, and watching movies.

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Lisa Sellers
Client Service Specialist

Lisa Sellers joined the Kowal Investment Group in March 2010. She has over 20 years of experience in the client service industry. In her past positions, she worked as a Lead Judgment Analyst for a law firm and was also an assistant to an American Family Agent where she received her Property and Casualty and Life and Health Licenses.

Lisa is currently responsible for servicing client accounts, distributions, transfers and opening new client accounts. She also plans on pursuing her Series 6 Securities License.

When not busy in the office, Lisa enjoys spending quality time with her family, taking road trips, hiking, going to the dog park with her Labrador, reading and painting.

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Rita Sniegowski
Client Service Specialist

Rita has been with Kowal Investment Group since 2010 and currently holds Series 6 and 63 Securities Licenses. Prior to coming to Kowal, she worked with the 3rd largest servicer of retirement plans, servicing 401(k), 403(b) and 457 accounts.

Rita is a graduate of Mount Mary College with a BA degree in Business and Applied Music.

Rita enjoys reading, sewing, crafts, music and theatre. She enjoys spending time with her husband, John, and two adult children, Conrad and Laura.

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Heather Krugler
New Client Development

Heather Krugler joined the Kowal Investment Group in June 2015. In her New Client Development role, she works with prospects as they begin the process of becoming a client. She also coordinates events and communications for the firm, as well as marketing and advertising opportunities.

Prior to joining the firm, Heather worked as a Corporate Communications Specialist for a manufacturing company. She has a BA in Psychology and Family Studies from the University of Wisconsin-Eau Claire.

In her free time, she loves spending time with her family and friends. She also enjoys running, hiking, traveling, reading and cheering for Wisconsin sports teams.

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Christy Block
Executive Assistant

Christy has been with the Kowal Investment Group since December 2013. Prior to joining the firm, she worked as an Executive Assistant at Harley-Davidson in Milwaukee and Credit One Bank in Las Vegas. She brings with her 20 years of experience supporting Senior Level Executives.

Christy completed the Business Certificate Program at UNLV with an emphasis on Business Writing, Effective Communication, Office Management, Ethics and Accounting and Project Management.

In her free time, Christy enjoys spending time with her family, photography, hiking, cooking and listening to music.

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Carrie McCoy
Administrative Assistant

Carrie joined the Kowal Investment Group in 2007 as our Administrative Assistant and Director of First Impressions. She is the friendly voice that answers the phone and greets our clients. She coordinates client appointments, tracks incoming and outgoing correspondence, transcribes dictation and maintains schedules.

Carrie attended UW-Milwaukee, taking various business classes. She also has over 20 years of experience in executive administration.

When not in the office, Carrie likes to spend time with her family, take hikes with her dog and spend as much time at her cabin in the north woods as possible.

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Annette Schad
Client Service Specialist

Annette Schad joined Kowal Investment Group in July 2015.  She has over 20 years of experience in the insurance/customer service industry.

In her past positions, Annette worked as an Associate Financial Representative and had lead roles in Customer Service. She holds an Associate Degree in Business Management and has her Life, Health, and Accident Insurance License.

In her free time, Annette enjoys spending time with family and friends, music, movies, bowling, and the outdoors.

GREATER MADISON AREA

John C. Hayward, CFP®, CFS®
Financial Advisor, RJFS

John began his financial planning career in 1983.  He is a Registered Securities Principal and Investment Advisor Representative affiliated with Raymond James Financial Services, Inc. since 1994.

John holds the designations CERTIFIED FINANCIAL PLANNER™, awarded by the College for Financial Planning in Denver, CO (1993), and Certified Fund Specialist® from the Institute of Business and Finance in La Jolla, CA (1992). His business production has consistently qualified for national recognition from Raymond James, and he is the recipient of numerous industry awards. He is co-branch manager of our Middleton, Wisconsin and Arizona locations.

With an emphasis on service, John provides personalized investment programs for individuals and small businesses, specializing in portfolio management, retirement planning, 401-K plans, and tax reduction strategies.  His tax-centric planning aims to help minimize the erosive effects of income tax on investments and retirement cash flow.  He is well versed in advanced planning concepts such as Charitable Remainder Trusts, Charitable Foundations and Donor Advised Funds.  John’s extensive clientele includes physicians, attorneys, business executives and other professionals.

His hobbies are hi-fi, jazz, and sports cars.

Christine Hayward, MBA
Financial Advisor, RJFS

Christine grew up in the financial services industry and became a Financial Advisor with Raymond James at our Middleton branch office in 2012.

Using the framework of comprehensive financial planning, Christine designs specialized retirement cash flow models and income tax strategies for her clients.  She received her Bachelor’s in Business Administration and Finance from UW-Eau Claire and her MBA from UW-Milwaukee.  She is a Registered Representative, Investment Advisor Representative, and licensed life and health insurance agent.

In her free time, she enjoys spending time with her fiancé, Alex.  Christine is President of the Middleton Jaycees, and a Regional Director of the 2017 Wisconsin Jaycee State Board.  She also loves to travel, sing, and spend time with family and friends.

Bonnie Hayward
Registered Paraplanner/Office Manager

Bonnie Hayward received her Registered Paraplanner designation from the College for Financial Planning in 1993.  She has been the Office Manager for John Hayward since 1986 and affiliated with Raymond James Financial Services, Inc. in 1994.

She splits her duties between our Middleton, Wisconsin and Arizona locations, providing technical support to both John & Christine Hayward.

In her spare time, Bonnie enjoys mountain hiking, sports car rallies and travel.

Ann Baer
Office Manager

Ann has been with Raymond James Financial Services since 2014 as the Middleton Branch Office Manager and Client Service Specialist.

Ann has over 20 years’ experience in office administration and production management. She attended Madison Business College.

In her free time, Ann likes spending time with her family, listening to music, working out, and hiking.

Check the background of this firm on FINRA’s BrokerCheck
Certified Financial Planner Board of Standards Inc. owns
the certification marks CFP(R), CERTIFIED FINANCIAL PLANNER(tm) and
federally registered CFP (with flame design) in the U.S., which it awards to individuals
who successfully complete CFP Board’s initial and ongoing certification requirements.