Bowen Financial Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Bowen Financial serves individuals, families, trusts, estates and small businesses, including a substantial number of high‑net‑worth households, providing fee‑only financial planning and discretionary investment management. The firm works with clients to define objectives across retirement, estate and tax planning and implements portfolios using no‑load mutual funds, ETFs and select individual securities.
Investment decisions are guided by a strategic asset‑allocation process grounded in academic research and modern portfolio theory, with portfolios often tilted toward small‑cap and value exposures and rebalanced on a disciplined basis. The firm typically implements these allocations through low‑turnover, no‑load funds (including access to Dimensional Fund Advisors’ funds), treats cash as an asset class, and generally manages accounts on a discretionary basis using institutional custody relationships.
A distinctive element is the firm’s affiliation with a separate CPA practice: the founder continues to provide tax compliance and consulting services through that accounting firm, creating an integrated tax‑and‑investment advisory capability that is uncommon among peers. Bowen Financial operates as a small supported team (three advisors managing roughly $191 million for about 67 family groups), holds NAPFA membership and follows a fee‑only fiduciary model; the firm also discloses operational considerations tied to the limited availability of certain funds if a client moves to an adviser not approved to use those funds.
Client services
Expertise
Fee options
Flat fees may be charged; fees are negotiable and can be flat fee based.
$0 - $2,000,000: 1.00% per annum $2,000,000 - $5,000,000: 0.75% per annum $5,000,000 - $10,000,000: 0.50% per annum $10,000,000 - $20,000,000: 0.35% per annum $20,000,000+: 0.25% per annum
Hourly rates vary; used for tax consulting and other services.
Account minimum: $1,000,000 Minimum fee: Accounts below $1,000,000 may be charged a minimum quarterly fee of $2,500 (up to $10,000 annually) Fee-only: Fee-only financial services; no commissions accepted.
Main office
2840 Polo Pkwy
Midlothian VA 23113
Advisors at this office
3
Most active in
Texas · Virginia
Also doing business as
Bowen Financial Services · Bowen Financial Services, LLC · Bowen Fuller Wealth Advisors
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
John B
CFP®, Series 65
Midlothian, VA
Bowen Financial Services, LLC
John Bowen is a CFP® and Series 65-licensed advisor with eight years of experience at Bowen Financial Services, LLC. He also works as a tax preparer at John G. Bowen & Company, LLC, a CPA firm unrelated to investment advisory services. Prior to his financial career, he held roles at Virginia Commonwealth University and Martin's Food. Bowen Financial Services, LLC provides fee-only financial planning and discretionary investment management for individuals, families, trusts, estates, and certain small businesses. The firm emphasizes a strategic asset-allocation approach using low-cost, tax-efficient mutual funds and ETFs, and it integrates tax compliance and consulting through an affiliated CPA practice.
John B
CFP®, Series 63, Series 65
Midlothian, VA
Bowen Financial Services, LLC
John Bowen is a CFP® professional with 26 years of industry experience and has been a CPA since 1992. He is the owner of Bowen Financial Services, LLC, located in Midlothian, VA, where he serves as one of three advisors. Bowen also operates a separate CPA firm, providing tax compliance and consulting services. Bowen Financial Services, LLC offers fee-only financial planning and discretionary investment management for individuals, families, trusts, estates, and certain small businesses. The firm emphasizes strategic asset allocation with broad diversification, using low-cost, tax-efficient mutual funds and ETFs, and integrates tax and investment planning through its affiliation with a CPA practice.
Cynthia B
CFP®
Midlothian, VA
Bowen Financial Services, LLC
Cynthia Bowen is a CFP® professional with five years at Bowen Financial Services, LLC and prior experience at DuPont totaling five years. She has two years of industry experience as a financial advisor. Outside of her advisory role, she is involved in a short-term rental real estate business. Bowen Financial Services serves individuals, families, trusts, estates, and small businesses, including many high-net-worth households, offering fee-only financial planning and discretionary investment management. The firm employs a strategic asset-allocation approach grounded in academic research and integrates tax compliance and consulting through an affiliated CPA practice.
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