James Kantowski


JSK Financial Services, LLC

Financial Advisor

James Kantowski


JSK Financial Services, LLC

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - James Kantowski, CFP®, CPA, PFS

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

James Kantowski is a Annapolis, MD fee-only financial planner. JSK Financial Services, LLC provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, James Kantowski is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

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.

James Kantowski is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning

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.


Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    James Kantowski is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    James Kantowski is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • CPA - Certified Public Accountant
    James Kantowski is a Certified Public Accountant (Learn More)

    Certified Public Accountants are licensed by the state and authorized by the state to practice public or private accounting. CPA licensing requirements are state specific, but typically include a bachelors degree with additional accounting coursework, successful completion of the Uniform CPA Exam, work experience, successful completion of an approved ethics course, and ongoing continuing education.

Contact James Kantowski

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Office Locations:

  • 721 Melvin Avenue
    Annapolis, MD 21401
  • 60 N Market St, C200
    Asheville, NC 28801

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