Rowley Financial manages investment portfolios for individuals, high-net-worth clients, businesses, and charitable organizations. The firm offers both discretionary management, where Rowley Financial makes investment decisions on your behalf, and non-discretionary management, where you approve each trade before it is executed. Investment strategies focus on fundamental and technical analysis to build diversified portfolios using mutual funds, exchange-traded funds, individual bonds, equities, real estate funds, and insurance products such as annuities. In addition to portfolio management, Rowley Financial provides consulting services for employee benefit plans like 401(k)s. Financial planning is also offered to clients who engage Rowley Financial for portfolio management. The firm operates with a registered investment advisor representative who is also a licensed insurance agent, presenting a potential conflict of interest regarding commission-based insurance recommendations, which is managed through required disclosures and a commitment to acting in your best interest.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $750K | 1.25% |
| $750K - $1.0M | 1.13% |
| $1.0M - $2.0M | 1.00% |
| $2M+ | 0.75% |
Fees are negotiable and billed quarterly in arrears based on the average daily balance. The entire portfolio is charged the same breakpoint fee rate.