Financial Planning

Our end-to-end financial planning is focused on moving your goals from the drawing board into reality.


A comprehensive understanding of your goals is our objective to the creation of your complete wealth plan. We take the time to listen, ask questions, and identify the things that matter most to your life.

Advise and Implement

We offer calculated recommendations tailored to your goals and resources. We work with you to assess all opportunities so that you can decide which choices are right for you. We then help you implement your comprehensive wealth plan. We act as the quarterback of your financial team to help align all your advisors and professionals to ensure everyone is on the same page and working on your behalf.


In this step, we analyze your financial status and carefully evaluate solutions and strategies to help you achieve your goals.

Monitor and Evolve

Through ongoing communication, we regularly monitor progress toward your objectives. As your needs change, our strategies adjust with your goals and objectives. We are always up-front in assessing whether your strategy remains on target or if adjustments are needed.

Schedule a complimentary financial review today.

Comprehensive. Built For You.

  • Cash flow and budget planning
  • Insurance and risk management
  • Charitable planning/gifting strategies
  • Multi-generational wealth management
  • Education funding
  • Retirement funding
  • Income-tax planning
  • Estate planning

Customized Planning

Our detailed planning process allows us to completely understand each client's personal and financial situation, objectives, comfort level with risk and time horizon for achieving goals. This understanding allows us to:

  • Create customized investment portfolios
  • Help minimize tax liabilities inside and outside of client portfolios
  • Advise clients on estate planning with the assistance of our expert partners
  • Advise on tax-efficient, impactful philanthropic strategies.
  • Analyze existing risk mitigation and insurance strategies.
  • Review existing debt and liability structures to determine if better options can be utilized.

Advice that Serves You

The guidance that results from our planning process is based on the sole criteria of helping you meet your goals. Are you focused on retiring comfortably, selling or exiting a business or leaving a lasting legacy? We strive to recommend the most appropriate, most cost-efficient products and solutions—and never those that don't help you reach your objectives.

Seeing the Big Picture

At Cowling Bay Wealth Management, we recognize that no client's financial life is one-dimensional. Using our deep expertise in investing, tax management, risk mitigation and other areas, we coordinate all the elements of your financial life in order to help you reach your bottom-line goals and achieve peace of mind.


**Cowling Bay Wealth Management does not provide legal or tax advice.  Please your legal or tax professionals for specific advice.