{"url":"https://nivawealth.com/firms/bowen-financial-services-116714","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/116714","regulatoryAum":190985562,"crd":"116714","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7960015","suffix":null,"lastName":"Bowen","firstName":"Cynthia","middleName":"Rives"},{"crd":"2907797","suffix":null,"lastName":"BOWEN","firstName":"JOHN","middleName":"GEARY"},{"crd":"7543956","suffix":null,"lastName":"Bowen","firstName":"John","middleName":"William"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-07-06","regulatoryAum":133539842,"clients":64,"employees":3,"offices":1},{"filedOn":"2023-04-13","regulatoryAum":122474246,"clients":67,"employees":3,"offices":1},{"filedOn":"2024-04-01","regulatoryAum":139304186,"clients":66,"employees":3,"offices":1},{"filedOn":"2025-03-31","regulatoryAum":166319000,"clients":66,"employees":3,"offices":1},{"filedOn":"2026-03-30","regulatoryAum":190985562,"clients":67,"employees":3,"offices":1}],"secFileNumber":"801-126244","legalName":"Bowen Financial Services, LLC","displayName":"Bowen Financial Services","slug":"bowen-financial-services-116714","website":"https://bowenfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/116714/4f6047207c7112eb-r1.webp","tone":"light","width":2041,"height":200,"sourceUrl":"https://bowenfinancial.com","sourceLabel":"Bowen Financial Services, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/bowen-financial-services-llc/about/","founded":null,"organization":"Virginia limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2840 Polo Pkwy","city":"Midlothian","state":"VA","stateName":"Virginia","country":"United States","postalCode":"23113"},"tradeNames":[],"registration":{"secApproved":"29 July 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2850530.776119403,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":190985562,"discretionary":190985562,"discretionaryAccounts":305,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":17,"regulatoryAum":13122893},{"label":"High-net-worth individuals","clients":50,"regulatoryAum":177862669}],"feePrograms":[{"role":"main","program":"Financial planning and investment supervisory services","feeBasis":"marginal","fee_tiers":[{"to":2000000,"pct":1,"from":0},{"to":5000000,"pct":0.75,"from":2000000},{"to":10000000,"pct":0.5,"from":5000000},{"to":20000000,"pct":0.35,"from":10000000},{"to":null,"pct":0.25,"from":20000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032041","versionId":1032041,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-30","documentName":"ADV PART 2","fee_rate_low":0.25,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:23:27.882687+00:00","documents":[{"name":"ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032041","versionId":1032041,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":166319000}],"custodyNote":"Bowen Financial Services has custody of $2.34M in client assets for 7 clients.","otherCustodians":[],"leadership":[{"name":"John Bowen","title":"Managing Member/Chief Compliance Officer","crd":"2907797"}],"ownership":[{"label":"John Bowen","detail":"Managing member/chief compliance officer in the 75% or more ownership band and a control person, since July 1999."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Virginia","offices":1,"addresses":[{"street":"2840 Polo Pkwy","city":"Midlothian","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"804-897-2850","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":4},{"label":"U.S. government/agency bonds","percent":2},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":92},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"30 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/116714/PDF/116714.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032041","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Bowen Financial Services have?","answer":"Bowen Financial Services has 67 clients and manages $191 million for them, as of March 2026. They include 50 high-net-worth individuals and 17 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Bowen Financial Services offer?","answer":"Bowen Financial Services provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Bowen Financial Services charge?","answer":"Bowen Financial Services charges 0.25%–1.00% a year for its Financial planning and investment supervisory services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"ADV PART 2, filed 30 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Bowen Financial Services use?","answer":"Bowen Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $166M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Bowen Financial Services have?","answer":"Bowen Financial Services has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Bowen Financial Services invest in?","answer":"At the end of its last fiscal year, Bowen Financial Services’ separately managed accounts held 92% registered funds (mutual funds, ETFs, BDCs), 4% exchange-traded equities, 2% U.S. government and agency bonds, 1% investment grade corporate bonds and 1% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Bowen Financial Services?","answer":"Bowen Financial Services’ direct owner is John Bowen (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Bowen Financial Services get paid?","answer":"Bowen Financial Services is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Bowen Financial Services?","answer":"Bowen Financial Services’ main office is at 2840 Polo Pkwy, Midlothian, VA 23113. Its phone number is 804-897-2850. Its website is bowenfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}