Fowler Financial Management

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Client assets under management

$33,334,021

Clients

32% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$877,211

About

Fowler Financial Management (Wealth Management and Preservation, Inc.) provides investment management, financial planning, estate planning coordination, and advisory consulting to individuals, families, trusts and closely held companies, including high-net-worth clients. The firm manages roughly $33 million in client assets and typically delivers discretionary portfolio management along with periodic financial plan reviews.

Investment decisions are based on a mix of fundamental and technical research and are implemented under client-specific Investment Policy Letters, with accounts reviewed at least quarterly. Estate planning is treated as an integral part of the client relationship: the firm works with outside law firms, often accompanies clients to counsel meetings, and provides ongoing maintenance and periodic reviews without charging a separate estate-planning fee.

Notably, the brochure discloses that the firm may receive commissions from non-variable insurance products (term life, fixed annuities, fixed-interest life insurance) and that insurance products requiring investment management may be managed without a separate fee for a period tied to the commission (up to five years). The principal holds insurance licenses and owns an inactive insurance agency, and the firm explicitly acknowledges the potential conflict that commissions can create while stating it operates under a fiduciary standard and strives to mitigate such conflicts.

Client services

Financial planning Portfolio management

Expertise

General estate planning guidance Retirement income strategy Annuities Wealth management

Occupation focus

Retired Founder/Business Owner

Fee options

Fixed

Flat fees starting at $5,000 per year (negotiated, pro-rated for new clients)

Percentage

0.5% to 1.9% annually (negotiated range)

Commissions

Commissions from non-variable insurance products such as term life insurance, fixed annuities, or fixed interest life insurance.

Main office location

Fowler Financial Management

Mckinney TX, United States

Number of offices

Most active in

Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

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

Is not active or affiliated with:

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.

Accountant / CPA / tax prep

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

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

Quick links

972-542-0800

Advisors at this firm

Matthew L

CFP®, Series 65

Mckinney, TX

Fowler Financial Management

Matthew Ludwick is a CFP® professional with 12 years of experience in financial advising. He has been with Fowler Financial Management since 2013. Ludwick holds a Series 65 license and maintains a life and health insurance license in Texas, though he is not currently appointed with any insurance companies nor receives commissions. Fowler Financial Management serves individuals, families, trusts, and closely held companies by providing investment management, financial planning, and estate-planning support. The firm combines fundamental and technical analysis with third-party research to create tailored portfolios, operating with a small, owner-operated structure and integrating estate-planning coordination with outside counsel.

General estate planning guidance Retirement income strategy Annuities Wealth management Retired Founder/Business Owner

Billy F

Series 63, Series 66

Mckinney, TX

Fowler Financial Management

Billy Fowler is a financial advisor with Fowler Financial Management in McKinney, TX, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Fowler Financial Management since 2003. Outside of advisory work, he has experience in independent insurance sales. Fowler Financial Management provides investment management, financial planning, estate-planning support, and consulting to individuals, families, trusts, and closely held companies. The firm manages approximately $30 million in assets and employs a combination of fundamental and technical analysis along with third-party research to develop customized portfolios, with an emphasis on estate-planning coordination and streamlined execution.

General estate planning guidance Retirement income strategy Annuities Wealth management Retired Founder/Business Owner

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