About Applied Asset Management

“Comprehensive Planning; Unbiased Recommendations;

Focused on your Success.”

Applied Asset Management is a client centered, financial planning and wealth management firm.  We measure our success by the strength of our relationships with clients and the high standards of quality and ethics that allow us to maintain them.  We will always conduct business in an honest and loyal manner while continually seeking to enhance our knowledge of products and services for our clients.

Michael Kowal is an accomplished Senior Executive and Financial Advisor with nearly 20 years of success spanning financial planning, marketing, finance, banking, mortgage and insurance. His broad areas of expertise include portfolio design, 401k plan design & management, personal financial planning, debt organization, and funding.

Throughout his executive career, Michael has held leadership positions with Applied Asset Management, Applied Marketing Group, National City Mortgage, and Allied Home Mortgage Capital Corporation. He is currently a Financial Advisor and President of Applied Asset Management. For the past 10 years, Michael has enjoyed assisting individuals and businesses with holistic financial planning, tax strategies and retirement plan monitoring. Michael holds the Pension Plan Consultant (PPC) designation which demonstrates his knowledge of ERISA requirements for employer-sponsored retirement plans and demonstrates the ability to carry out plan services with a fiduciary standard of care.

Michael earned a Bachelors of Science in Finance from Miami University (2001) and is the recipient of the 2016 & 2017 Executive’s Council Award, presented by his broker-dealer Cetera Advisor Networks LLC. A seasoned board member, he has recently served on the Lorain County Board of Realtors and is a former member of the Northcoast BIA, the North Ridgeville Chamber of Commerce, the Mortgage Bankers Association, and the National Association of Home Builders.

Michael resides in Avon, Ohio with his wife Stacy and three children, Julia, Anna & James.  In his free time, Michael enjoys coaching his kids soccer and baseball teams, golfing and cruising in his 1969 corvette convertible.