Cowling Bay Wealth Management, LLC is a registered investment advisor located in Oshkosh, Wisconsin, founded in December 2019 and owned by David R. Schedler. The firm provides wealth management services, combining discretionary portfolio management with comprehensive financial planning. Cowling Bay Wealth Management creates custom investment portfolios primarily using low-cost, diversified mutual funds, exchange-traded funds, individual stocks, fixed income, options contracts, and alternative investments. The firm's investment strategy focuses on long-term growth, though positions may be adjusted to meet client goals or changing market conditions. In addition to direct portfolio management, Cowling Bay Wealth Management may recommend independent managers for all or a portion of a client's portfolio, maintaining oversight of those managers while ensuring total combined fees do not exceed 1.4% annually. As a fiduciary, Cowling Bay Wealth Management is legally required to act in your best interest, putting client needs first and maintaining transparency regarding potential conflicts of interest.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.00% |
| $500K - $1.0M | 0.85% |
| $1.0M - $3.0M | 0.75% |
| $3.0M - $5.0M | 0.65% |
| $5.0M - $10.0M | 0.50% |
| $10M+ | 0.50% |
Fees for accounts over $10,000,001 are negotiable at the sole discretion of Cowling Bay Wealth Management. Fees are aggregated across all client accounts.