Lowry Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Lowry Financial Advisors provides financial planning and wealth management advice to individuals and families and to pension and profit‑sharing plans, delivering services such as retirement planning, estate analysis, college planning, insurance review, and ongoing plan maintenance. The firm is a small, three‑advisor practice that organizes engagements primarily as project‑based planning or ongoing retainer relationships rather than as discretionary asset‑management accounts.
The firm’s advice is driven by planning tools and portfolio analysis—using Monte Carlo simulations, modern portfolio theory, and mutual‑fund‑based risk models (with stated fixed‑income exposures typically in the 20–60% range and an available socially responsible investing model). Lowry Financial does not provide discretionary portfolio management or charge percentage‑of‑AUM advisory fees; implementation of investment recommendations is often carried out through an affiliated broker‑dealer/registered investment adviser relationship, where commissions and trail (12b‑1) fees may apply (and in certain Commonwealth fee programs those 12b‑1 fees are credited back to clients).
Compared with many peers, the firm combines a planning‑centric business model with insurance licensing and related insurance activity alongside its advisory work, and it discloses the resulting conflicts and mitigation measures (Code of Ethics, written disclosures, and client choice to implement elsewhere). The combination of a small advisory team, an explicit absence of discretionary AUM management, and dual broker‑dealer/insurance affiliations are the most noteworthy aspects of its practice as presented in the brochure.
Client services
Expertise
Fee options
Fixed fees for wealth management consulting, typically ranging from $500 to $20,000, negotiated prior to engagement.
Advisory Representatives receive commissions and/or advisory fees from securities products and insurance sold through Commonwealth Financial Network.
Up to $450 per hour for financial planning and wealth management advisory services.
Fee-only: Financial planning services offered on hourly fee basis up to $450 per hour; wealth management consulting may be hourly up to $450 per hour or fixed fees negotiated typically ranging from $500 to $20,000
Main office
12921 SW 1st Rd., Suite 215
Tioga FL 32669
Advisors at this office
3
Most active in
Florida
Also doing business as
Lowry Fianncial Advisors, Inc. · Lowry Financial Advisors · Lowry Financial Advisors, Inc.
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
Forms ADV
Quick links
Advisors at this firm
Joseph L
Series 63, Series 66
Tioga, FL
Lowry Financial Advisors
Joseph Lowry Jr. is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been a co-owner and principal at Lowry & Lowry, Inc. since 2008. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and back-office support, including investment management, compliance, and technology services, enabling advisors to construct client portfolios from a broad selection of securities and insurance products.
Joseph L
ChFC®, Series 63, Series 66
Tioga, FL
Lowry Financial Advisors
Joseph Lowry is a ChFC® with 44 years of experience in the financial services industry. He is the president and co-owner of Lowry Financial Advisors and has held leadership roles at related entities including Lowry & Lowry, Inc. Lowry is also the author of the book "Thanks Mom." Lowry Financial Advisors is a small, three-advisor firm that provides financial planning and wealth management services to individuals, families, and retirement plans. The firm emphasizes planning-driven advice using portfolio analysis tools and offers project-based or ongoing retainer engagements rather than discretionary asset management.
Cale F
CFP®, Series 63, Series 65
Tioga, FL
Lowry Financial Advisors
Cale Flage is a CFP® professional with 11 years of experience in the financial services industry. He has been with Lowry Financial Advisors since 2017 and previously worked at Cetera Advisors LLC. In addition to his advisory role, he engages in business consulting through a separate activity not related to investment services. Lowry Financial Advisors is a small firm serving individuals, families, and retirement plans with financial planning and wealth management advice. The firm emphasizes planning-driven advice rather than discretionary asset management, using tools like Monte Carlo simulations and portfolio analysis, and combines advisory services with insurance licensing.
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