Gary M. Cowles, ChFC CLU CDFA

Gary M. Cowles has spent more than 30 years helping individuals and families navigate the complexities of retirement income planning, tax-efficient wealth management, and legacy preservation. As the founder of The Cowles Group, he has built his practice based on the ideals of independence, integrity, and insight. The independence to plan and invest with purpose not product, the integrity to always act without conflict and the insight to provide customized strategies, not pre-packaged solutions.

Gary holds a Bachelor of Arts in Mathematics from the University of New Hampshire, and earned his ChFC (Chartered Financial Consultant) and CLU (Chartered Life Underwriter) designations representing advanced expertise in tax, retirement, financial and wealth preservation planning from The American College of Financial Services — an accredited institution with roots in the University of Pennsylvania’s internationally respected Wharton School of Business. With the prevalence of "Gray Divorce" today, Gary has also earned the Certified Divorce Financial Analyst (CDFA) designation, a highly specialized program in professional divorce analysis and the complexities of asset division.

Gary's seminars are designed to cut through the noise and give attendees a clear, actionable picture of what retirement can look like — without the pressure of a sales pitch. His approach is educational, straightforward, and planning based addressing the real questions and concerns people have about their retirement and financial future.