I am the Founder of Barbara Rowens Financial, a full service, woman-owned financial advising and wealth management firm located in Upper Gwynedd, PA. My education and career has spanned several fields, which is why I am able to provide my clients with a multidisciplinary approach to help them pursue their goals and live life to the fullest. My personal touch and commitment to you is evidenced by the way we work together. I provide a great client experience and the attention each one deserves. My goal is to add convenience to your life and services are designed to do just that. Whether providing investment management, end-to-end financial planning services or working in tandem with your other professionals, I am on your team to offer simplicity and clarity. I want to understand your life so that your financial plan can be designed with your unique needs and personal goals in mind. Together, we will monitor your plan to make sure you are still on track to pursue your goals. My passion is educating and empowering clients and their families to take control of their future. We do this together through investment management, insurance solutions, retirement planning, and estate planning. Here's how it works:
* First I get to know you, your goals, and your risk tolerance.
* Next, I identify how I can help solve for your needs and priorities.
* Then I go over the strategy and the all-in market-value fee that aligns with your plan.
I live in Upper Gwynedd not far from Montgomery County Community College. I have one son and a granddaughter who also live in the area.
The financial world can be difficult to navigate. It's important to have a financial planning expert on your side. Whether you are in the beginning stages of your career, needing investment management, insurance solutions, planning for your child's education, or retirement planning, you need a solid plan in place to feel confident that you'll be able to weather life's major changes. As a former educator, I believe in giving my clients the right information they need to feel knowledgeable and informed about their financial investments, working collaboratively with each client to explain and create that solid financial plan. Every client has unique financial circumstances and challenges. The foundation of my business is my ability to listen to and learn about short and long-term goals, both personal and professional, in order to develop an individual financial road map for each and every client to create, grow, manage and preserve wealth.
General Information |
| Name of Broker/Dealer: | The Investment Center Inc. |
| States Licensed in: | PA,NJ,MD,NC |
| Number of Years with Current Firm: | 17 |
| Work Experience: | I graduated from Temple University with a B.A. in Sociology and from Villanova University with an M.A. in Counselor Education. I spent a number of years as a guidance counselor which afforded me extensive experience managing expectations and resolving difficult situations. I transitioned to financial services because I have always had an interest in helping people make better money decisions. I hold the Series 6,63 and 65 securities registrations through The Investment Center Inc. I also hold Life and Health Insurance licenses in Pennsylvania (since 2000) as my home state as well as several other states. |
| Work with the following types of clients: | Individual Investors |
| Advisory Services Provided: | Portfolio Management, Retirement Planning, Insurance Products & Annuities, Investment Advice & Management, Financial Advice & Consulting, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning, Financial Planning for Individuals |
Services |
| Investment Types: | Mutual Funds, Insurance, Annuities, Offers Stocks, Bonds, and Exchanged Traded Funds (ETFs) utilizing strategic partners of the firm, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Video Conference, Your Home, Our Office, Phone, Email, Your Office |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Annuity, Health, Life, Variable Annuity, Long Term Care, Variable Life |
Firm Information |
| Assets Managed by Advisor: | $30,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $100,000 |
| Compensation Methods: | Based on Assets, Commissions |
| Additional Details on Charges: |
Our Commitment to You: Fees Explained in Common Language. When it comes to investments and financial planning, you deserve to know what you're getting and what it costs. That's what I deliver with no obligation. I build custom comprehensive financial plans based on your needs and with a straight-forward market-value fee. No hidden charges. No upcharges. No guesswork. Not working with a firm? Even without professional guidance, you're paying fees on your investments. I believe in transparency. I'll walk you through your custom investment strategy and the fee that aligns with your needs in plain language. All your questions answered before you decide to work with me. |
FAQs |
Why should I choose you as my financial advisor?Financial Planning - I will design a plan that evaluates your current situation by analyzing your assets, income and expenditures to identify: - The day-to-day: What assets do you need today? - The big picture: What can you do to pursue your financial goals? I provide regular reviews and modifications, ensuring that your financial plan stays current and dynamic. |
How do you charge for your services?Transparent Fees: Getting Started with My One-Hour Initial Consultation - $300 My one-hour consultation fee covers your initial meeting, as well as the work that occurs prior to (and after) your first meeting. I start the process by simply listening. At the meeting, I review your financial situation and discuss whatever is on your mind. The meeting also gives us an opportunity to get to know each other, discuss your needs, and decide if the relationship is a good fit. Afterwards, I create a personal proposal that describes the services that you would benefit from and the fees. In essence, we discuss the specific areas where we will work together to help make a difference in your life. Fees are based on assets under management (AUM). There could be an hourly fee depending on the services requested such as in-depth pension analysis or divorce consulting. My minimum fee on investable assets is typically 1.1% of your balance. The fee will typically include a financial plan. |
What services do you provide? What are your specialties?I provide your with a wide variety of investment options that align with your goals. I am a fiduciary and act in your best interest. Assessment - I will help bring your risk and current financial situation into focus. Personalized Cash-Flow Based Planning. Social Security Analysis - In-depth analysis of available social Security claiming options. Risk Management Planning - Comprehensive analysis of life, disability, long-term care and other risk management solutions. |
What is your experience? How many clients do you currently manage?I construct portfolios that are in line with your specific goals, timeline , and risk tolerance. I regularly monitor your portfolio's performance and allocation, and conduct meetings to discuss withdrawal strategies, changes within your portfolio's allocation and time horizon. Not every investment works out and not every market goes up forever. If you are concerned about performance, a discussion about asset allocation should be at the top of your list. As needed, over time, we make any necessary changes to keep you aligned with your goals. My disciplined discovery process is key to understanding the right investment strategy for your specific situation. The initial discovery process has to be thorough, which is why top financial advisors will include financial planning, not just investment management, as part of the services they provide to their clients. We believe all of our clients should have a financial plan, which is why we view it as the skeleton of the process. |
What financial institution(s) do you represent?I use several financial institutions for custody of assets depending on which investments we choose. They include TD Ameritrade, Pershing, Assetmark Trust, Dunham Trust etc. |
Disclosures |
| All Securities Offered Through The Investment Center, Inc. Member FINRA/SIPC Advisory Services Provided Through IC Advisory Services, Inc. - An SEC Registered Investment Advisor Barbara Rowens is a registered representative of The Investment Center, Inc. - Barbara Rowens Financial is not affiliated with The Investment Center, Inc. or IC Advisory Services, Inc. 4201 Lilac Ct. Upper Gwynedd PA 19446 (215) 355-0989 The Information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any federal penalties. Entities or persons distributing this information are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel. |
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Additional Detailed Disclosures |
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
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