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Ralph Kowal

Ralph Kowal

Financial Advisor and Client Engagement


Ralph Kowal serves clients as a Senior Financial Advisor with Harborstone Investment Services. He focuses his knowledge and experience on helping the credit union members achieve their financial goals and objectives.

Ralph recognizes that each individual is in a different stage of life and comes from a unique economic background. He makes it a priority to completely understand the credit union members' financial goals and objectives and works with each one to develop a long-term approach to investing while providing sound risk management along the way.

Ralph is a University Place native who began his career by joining the Navy after his sophomore year in college. After his tour of duty on the aircraft carrier USS John F. Kennedy during Operation Desert Storm and Desert Shield, Ralph returned to college at Central Washington University, where he earned his bachelor's degree in teaching. Ralph later obtained an MBA in managerial leadership. Ralph coupled his love of finance with his ability to teach and began his career with Ameriprise Financial in 1999. In 2001, Ralph moved to Harborstone Investment Services, where he has been a group leader.

He is committed to helping the credit union members achieve their financial goals with personalized plans and service. Ralph currently holds the Series 7, 63, and 65 registrations, as well as a life and disability insurance license.

Ralph lives in north Tacoma, where he spends his summer months enjoying his second love—fishing, boating, and the great Northwest outdoors.