Rowan Financial FAQ’s
What types of clients do you work with?
I help real estate investors, pre-retirees, career changers and new families grow, organize and protect their wealth through fee-only fiduciary planning.
Does Dave work virtually or in person?
I work with clients virtually nationwide in over 20 states and in person in Bethlehem, the Lehigh Valley, Philadelphia and New Jersey.
Do you require a minimum investable asset amount?
No. I offer flat-fee plans and comprehensive financial planning without a minimum asset requirement.
How do you invest and manage money for your clients?
We are not “set it and forget it” money managers. We use proven long-term investment strategies paired with a daily analysis of over 75 technical indicators to actively manage client portfolios. This enables us to capture most of the upside that markets have to offer, while side-stepping meaningful fractions of market downturns. We do this by dynamically managing position sizes in stocks, fixed income, precious metals and crypto as warranted by prevailing conditions in financial markets.
How do you charge for financial planning services?
I’m a fee-only advisor. That means no commissions, transparent flat-fee plans, and a fiduciary standard – so I work solely in your interest.
What is your experience with real estate investing?
I’m both a CERTIFIED FINANCIAL PLANNER® and real estate investor myself. I have personally owned multi-family properties, fix-and-flips, BRRRR’s, short-term vacation rentals and co-living spaces. I specialize in helping my clients invest in rental properties, analyze and optimize existing real estate portfolios, complete 1031 exchanges and manage inherited real estate assets.
Can you help me plan for retirement?
Yes, I help people transition from lives primarily focused on earning money to lives spent enjoying the benefits of the money they have earned. I will either show you conclusively that you have saved enough for retirement when factoring in varying future market returns, inflation, health care costs and tax policy. Or, we will get you ready for retirement with a detailed set of spending, saving and investing decisions, a plan to take advantage of all possible tax deductions including Roth conversions and an Income Replacement Plan including supplementing your income in retirement as needed.
Can you help me transition from a corporate job to self-employment?
Yes! I ran Rowan Financial as a side hustle while working a corporate job and successfully made the transition to full time entrepreneurship in 2017. I now help professionals build new income streams and exit their day job. You can do this!
How do you help new families plan financially?
I assist new or growing families with budgeting, emergency funds, education savings, insurance and balancing income challenges when one spouse pauses a career to care for children. Time and money are precious commodities for you at this life stage and we make the most of both by developing efficient, easy to implement financial plans.
Are you a fiduciary advisor?
Yes, I’m a fee-only fiduciary financial planner, which means I’m legally obligated to put your needs first.
What credentials do you hold?
I’m a CERTIFIED FINANCIAL PLANNER® and hold an MBA, with over 16 years of experience helping clients just like you.