Bowen Financial Services, LLC

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Client assets under management

$190,985,562

Clients

75% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$2,850,531

About

Bowen Financial serves individuals, families, trusts, estates and small businesses, including a substantial number of high‑net‑worth households, providing fee‑only financial planning and discretionary investment management. The firm works with clients to define objectives across retirement, estate and tax planning and implements portfolios using no‑load mutual funds, ETFs and select individual securities.

Investment decisions are guided by a strategic asset‑allocation process grounded in academic research and modern portfolio theory, with portfolios often tilted toward small‑cap and value exposures and rebalanced on a disciplined basis. The firm typically implements these allocations through low‑turnover, no‑load funds (including access to Dimensional Fund Advisors’ funds), treats cash as an asset class, and generally manages accounts on a discretionary basis using institutional custody relationships.

A distinctive element is the firm’s affiliation with a separate CPA practice: the founder continues to provide tax compliance and consulting services through that accounting firm, creating an integrated tax‑and‑investment advisory capability that is uncommon among peers. Bowen Financial operates as a small supported team (three advisors managing roughly $191 million for about 67 family groups), holds NAPFA membership and follows a fee‑only fiduciary model; the firm also discloses operational considerations tied to the limited availability of certain funds if a client moves to an adviser not approved to use those funds.

Client services

Financial planning Portfolio management

Expertise

General retirement planning Wealth management Passive / index investing

Fee options

Fixed

Flat fees may be charged; fees are negotiable and can be flat fee based.

Percentage

$0 - $2,000,000: 1.00% per annum $2,000,000 - $5,000,000: 0.75% per annum $5,000,000 - $10,000,000: 0.50% per annum $10,000,000 - $20,000,000: 0.35% per annum $20,000,000+: 0.25% per annum

Project-based

Hourly rates vary; used for tax consulting and other services.

Other

Account minimum: $1,000,000 Minimum fee: Accounts below $1,000,000 may be charged a minimum quarterly fee of $2,500 (up to $10,000 annually) Fee-only: Fee-only financial services; no commissions accepted.

Main office location

Bowen Financial Services, LLC

2840 Polo Pkwy

Midlothian VA 23113, United States

Number of offices

Most active in

Texas · Virginia

Disclosures

Business activities & affiliations

Is active or affiliated with:

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Instagram Website 804-897-2850

Advisors at this firm

John B

CFP®, Series 65

Midlothian, VA

Bowen Financial Services, LLC

John Bowen is a CFP® and Series 65-licensed advisor with eight years of experience at Bowen Financial Services, LLC. He also works as a tax preparer at John G. Bowen & Company, LLC, a CPA firm unrelated to investment advisory services. Prior to his financial career, he held roles at Virginia Commonwealth University and Martin's Food. Bowen Financial Services, LLC provides fee-only financial planning and discretionary investment management for individuals, families, trusts, estates, and certain small businesses. The firm emphasizes a strategic asset-allocation approach using low-cost, tax-efficient mutual funds and ETFs, and it integrates tax compliance and consulting through an affiliated CPA practice.

General retirement planning Wealth management Passive / index investing

John B

CFP®, Series 63, Series 65

Midlothian, VA

Bowen Financial Services, LLC

John Bowen is a CFP® professional with 26 years of industry experience and has been a CPA since 1992. He is the owner of Bowen Financial Services, LLC, located in Midlothian, VA, where he serves as one of three advisors. Bowen also operates a separate CPA firm, providing tax compliance and consulting services. Bowen Financial Services, LLC offers fee-only financial planning and discretionary investment management for individuals, families, trusts, estates, and certain small businesses. The firm emphasizes strategic asset allocation with broad diversification, using low-cost, tax-efficient mutual funds and ETFs, and integrates tax and investment planning through its affiliation with a CPA practice.

General retirement planning Wealth management Passive / index investing

Cynthia B

CFP®

Midlothian, VA

Bowen Financial Services, LLC

Cynthia Bowen is a CFP® professional with five years of experience at Bowen Financial Services, LLC, and a total of 11 years in the industry, including prior roles at DuPont and Virginia Tech. She is based in Midlothian, VA. Outside of her advisory work, she is involved in short-term rental real estate. Bowen Financial Services, LLC provides fee-only financial planning and discretionary investment management for individuals, families, trusts, estates, and certain small businesses. The firm emphasizes a strategic asset-allocation approach with broad diversification, low-cost tax-efficient funds, and long-term buy-and-hold strategies, supported by an affiliation with a CPA practice for integrated tax and investment planning.

General retirement planning Wealth management Passive / index investing

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