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CC
CFP · ChFC
CC
CFP · ChFC

Cary Cowan

LPL Financial LLC
52 Years of Experience
St. Augustine, FL
2 DisclosuresBrokerSells Insurance
View SEC Summary
View SEC Summary

Cary Cowan is a CFP, ChFC-designated registered investment advisor at LPL Financial LLC, based in St. Augustine, FL, with 52 years of industry experience. Cary is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Investment Management, Retirement Planning. Their firm serves 1,986,990 clients with $820B in assets under management.

LPL Financial LLC
Compensation
Fee-Only (% of Portfolio)Fixed/Hourly
Firm Size
28221 advisors
Number of Clients
1,986,990 clients
Average Client Portfolio
$412K average
Assets Under Management
$819.1B

Fee Structure

Minimum Investment:$1K
Investment management only (planning not offered)
Portfolio-Based Fees (Flat)
Portfolio ValueAnnual Fee
Any2.50%

The maximum account fee is 2.50% and is negotiable between the client and the advisor. Fees are based on total assets in the account and payable quarterly in advance.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

3275 U.S. Highway 1 South, St. Augustine, FL, 32086

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History

Regulatory History (2)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
October 2023
Settled
Customer Dispute
October 2005
Closed-No Action
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Cary is the CEO of Cowan Financial Group, providing securities and investment advisory services, and spends nearly full-time on this. He also sells insurance products, including fixed annuities, life/health, and long-term care, dedicating significantly more than full-time hours to this activity.

Employment History
Current Registrations
LPL Financial LLCBroker
July 2025 - Present · 1 yr 3 mos
Arch Global Advisors, LLC
June 2023 - Present · 3 yrs 4 mos
Previous Registrations
Cadaret Grant & CO INC
April 2023 - July 2025 · 2 yrs 3 mos
Cadaret, Grant & CO., INC.Broker
April 2023 - July 2025 · 2 yrs 3 mos
Next Financial Group, INC.
June 2003 - April 2023 · 19 yrs 10 mos
Next Financial Group, INC.Broker
May 2003 - April 2023 · 19 yrs 11 mos
Walnut Street Securities, INC.Broker
May 1996 - May 2003 · 7 yrs
Ifg Network Securities, INC.Broker
January 1996 - May 1996 · 4 mos
Comprehensive Financial Services, INC.Broker
January 1993 - January 1996 · 3 yrs
W. S. Griffith & CO., INC.Broker
June 1982 - December 1992 · 10 yrs 6 mos
Home Life Insurance CompanyBroker
November 1977 - October 1992 · 14 yrs 11 mos
Massachusetts Mutual Life Insurance CompanyBroker
November 1975 - December 1977 · 2 yrs 1 mo
The Equitable Life Assurance Society of the United StatesBroker
October 1972 - November 1974 · 2 yrs 1 mo
State Registrations20 states
AKALCOCTFLGAILINKSMDMSNCNENYOHPATNVAWVWY
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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