James  Kantowski

James Kantowski


JSK Financial Services, LLC


Contact Me

Fee-Only Financial Planner with offices in Annapolis, MD and Asheville, NC


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting


Visit Us

721 Melvin Avenue
Annapolis, MD 21401

60 N Market St, C200
Asheville, NC 28801

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

JSK Financial Services is a fee-only financial planning and investment management firm with offices in Annapolis, MD and Asheville, NC.  James Kantowski is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional. When he's not busy building on his 20 years experience, you'll find him involved in his community. He is on the board of the Financial Education Foundation and co-founder of Fish For a Cure. He also coaches basketball and baseball for his four children.

Jim has always believed that building a relationship grounded in trust and integrity is the best way to help clients achieve their financial objectives. 

After 20 years with some of the nation's largest financial management firms, Jim left to pursue his dream of a firm where relationships matter, a firm where the product is not stocks or bonds, but great advice. 

Jim is married with four children and lives in Arnold, Maryland where you'll find him actively involved in his community. 

He is on the board of the Financial Education Foundation, co-founder of Fish For a Cure, and coaches baseball and basketball. He is a Certified Financial Planner and Certified Public Accountant. Jim belongs to the AICPA, MACPA and NAPFA.


We take a fiduciary oath; we are not a brokerage firm. This means we put your needs first. We're committed to providing objective, thoughtful, and independent advice at a fair and reasonable cost.

We ensure accuracy, and are up to date on the latest news and research. In fact, as members of NAPFA, we are required to have 30 more hours of Continuing Education than our competition.

Our investment services are fee-only and we will always provide you with an upfront estimate for other services.

JSK Financial was created with a vision of building long term relationships that are based on mutual respect, high quality service, and genuine concern for reaching our clients' goals. We know how hard it is to get new clients and we much prefer to keep the ones we have. We pride ourselves on picking up the phone, answering emails and taking the time to talk to our clients.  We are open to phone calls and conversations about any concerns, not just investments.

This kind of commitment takes trust, but it is only possible with the right kind of client. The people who most appreciate our service, and for whom we can add the most value, share many of the following characteristics:

  • Committed to striving for success for themselves and their family
  • Lack the time to manage their financial affairs on a daily basis
  • Want to simplify their life and build a relationship with an experienced professional
  • Value the reduced stress and feeling of financial security
  • Find comfort in knowing that a partner is sharing in the responsibility of managing their wealth
  • Seek comprehensive advice on all of their investable assets

JSK Financial Services LLC is an investment advisory firm registered in the States of Maryland and Virginia. We are CFP’s and CPA’s who are members of NAPFA, MACPA and the AICPA and have partnered with other organizations, such as Dimensional Funds, Vericemetry, Charles Schwab and Co., Inc. and Retirement Plan Consultants who have similar values and commitment to excellence.