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Stephen J. Koessl

The Retirement Income Factor

How much money will you bring to retirement?

Investment adviser representative and registered representative of, and securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC)

Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction.

The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states:

We are licensed to sell Insurance Products in CO,IA,MI,MN,MT,ND,TN,TX,WI.

We are registered to sell Securities in AZ,CO,IA,MI,MN,MT,ND,OR,TN,TX,VA,WI.

J&S Partners, Inc. is not a subsidiary of nor controlled by Voya Financial Advisors.

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