Rowley Financial

Rowley Financial provides advisory services to individual investors — including both high‑net‑worth and non‑high‑net‑worth clients — as well as sponsors of pension and profit‑sharing plans. Services disclosed in the brochure include discretionary portfolio management, financial planning, and retirement plan consulting, and the firm may place all or part of client assets with third‑party managers for day‑to‑day management.

The firm generally operates under discretionary authority and tailors investment programs to each client's objectives, risk tolerance, and time horizon, implementing strategies across a broad set of asset classes such as equities, fixed income, ETFs (including leveraged ETFs), REITs and limited partnerships. Rowley Financial describes using multiple analytical methods — technical, fundamental, cyclical analysis, modern portfolio theory and ESG considerations — and conducts initial selection and ongoing due diligence of any third‑party advisers it recommends.

Compared with many peers, the firm is a small team (two advisors) managing roughly $97.9 million for about 166 clients, and it offers client education through workshops and seminars at no charge, a service the brochure highlights. The brochure also discloses that its advisory personnel are separately licensed to sell insurance and may earn commissions on insurance products, and that the firm routinely directs custody and execution through SEI Private Trust Company and may use SEI Private Wealth Management as a third‑party manager.