Rowley Financial

What Rowley Financial does

Rowley Financial, operating under the legal entity Rowley & Associates, Inc, is a privately held registered investment advisory firm headquartered in Lancaster, Pennsylvania. Founded by Wendy H. Rowley, the firm is led by a core team of three — a CFP-credentialed founder, a partner/financial advisor, and an operations/relationship manager — supplemented by a network of external accountants, attorneys, and other professionals. The firm provides investment advisory services under the fiduciary regulatory umbrella of Markle Financial RIA.

The firm's service offering spans the full retirement lifecycle: retirement planning, investment management (IRAs, brokerage accounts, bonds, equities, variable annuities), estate planning, tax strategy, and insurance products (life, disability income, long-term care). Client engagement begins with a complimentary introductory meeting with no asset minimums, followed by a structured fact-finding and proposal process. Fees are recurring and based on either the complexity of the client's financial situation or assets under management. The firm also publishes an extensive educational resource center (articles, videos, calculators) and hosts an Educational Series with guest experts from adjacent professional fields.

Distribution is overwhelmingly direct and local: the firm markets through content/SEO and referrals, acquires clients through scheduled in-person or phone consultations, and delivers ongoing service through its Lancaster, PA office and third-party client portals. There are no disclosed funding rounds, M&A activity, geographic expansion beyond Pennsylvania, or institutional ownership — the business appears to be a lifestyle founder-led advisory practice with no disclosed growth ambitions beyond its current regional footprint.

Name

Rowley Financial

Legal name

Rowley & Associates, Inc

Website

https://rowleyfinancial.net

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Rowley Financial is a privately held registered investment advisory firm in Lancaster, Pennsylvania, providing fee-based retirement, investment, estate, tax, and insurance planning for individual pre-retirees and retirees in the Pennsylvania region.

Ownership category

akta.pro rank

Product category

Financial Advisory and Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Investor Education, Research & Portfolio Analytics Services (Retail) (FSAAAAAO)

Keywords

• Financial advisory services
• Retirement planning
• Wealth management
• Estate planning
• Investment management

Headquarters

HQ city

Lancaster

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Investment Advisory Fees: Fee-based structure based on the complexity of the client's financial situation and/or the amount of assets under management. The fee is clearly outlined in a proposal before clients sign any paperwork. The firm operates under fiduciary duty through Markle Financial RIA.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Rowley Financial is a registered investment advisory firm offering personalized financial planning and advisory services to individuals approaching or in retirement. The firm provides retirement planning (IRAs, 401(k), 403(b)), investment management (brokerage accounts, bonds, stocks, variable annuities), estate planning, tax strategy, college savings plans, and insurance products (life, disability, long-term care). Advisory services are delivered through a team-based, fiduciary approach under Markle Financial RIA.

Product overview

Rowley Financial is a registered investment advisory firm offering a comprehensive suite of financial planning and advisory services. The firm provides investment products including IRAs (Traditional, Roth, SEP, Simple), 401(k) and 403(b) planning, brokerage accounts, bonds, and variable annuities. Their financial planning services encompass retirement planning, tax strategy, estate planning, and college savings plans. Insurance offerings include life insurance, disability income insurance, and long-term-care insurance. The firm operates under a fiduciary standard through Markle Financial RIA and serves individuals approaching or in retirement with personalized, hands-on advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Advisory Services

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Assured Partners (Tony Montgomery)minorGTM or Marketing PartnerGuest speaker in Rowley Financial's Educational Series presenting on Medicare topics including enrollment preparation, plan selection, and navigation of Medicare changes. Tony Montgomery is a Senior Plan Advisor with over 11 years in the insurance industry.
• Home Instead Senior Care (John Gibble)minorGTM or Marketing PartnerGuest speaker discussing personalized home care, aging process support, and types of care options. John Gibble brings 10 years of experience with Home Instead, highlighting the importance of trust and relationships in senior care.
• Kingsway Realty (Wendy Stauffer)minorGTM or Marketing PartnerGuest speaker providing insights on the Lancaster County real estate market, including market climate analysis and navigation of buying/selling decisions. Wendy Stauffer has been a Realtor since 1994 with over 20 years of experience.
• May Herr & Grosh LLP (Matthew A. Grosh)minorGTM or Marketing PartnerGuest speaker covering estate planning topics including common client questions. Matthew Grosh is a partner specializing in estate planning, administration, business law, nonprofit organizations, and taxation. Holds JD from Villanova University School of Law and LL.M. in taxation.
• Steve Beachy CPAminorGTM or Marketing PartnerGuest speaker presenting on tax season preparation and strategies including tax law changes, deductions, brackets, quarterly taxes, and IRS audits. Serves small and mid-sized businesses and individual tax clients in Lancaster County.
• Markle Financial RIAcoreTechnology or IntegrationRowley Financial operates under Markle Financial RIA as a registered investment adviser. Markle Financial provides the regulatory umbrella under which Rowley Financial offers fiduciary investment advisory services. The fiduciary standard requires acting in clients' best interest.
• Professional Network (Accountants, Attorneys)coreImplementation/ SI/ Consulting PartnerClients have access to the firm's network of accountants, attorneys, or other professionals to provide comprehensive financial plans. This network supports the team's multidisciplinary approach to financial planning.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Ameriprise Financial: National wealth management and advisory franchise with thousands of independent contractor advisors serving retail and mass-affluent clients. Overlaps with Rowley across retirement, estate, tax, and investment planning for individuals.
• Edward Jones: Large national financial services firm with a deep branch network of local financial advisors targeting mass-affluent and retirement-age clients. Comparable to Rowley in target customer (individuals, pre-retirees/retirees) and broad retirement/estate/tax/insurance service mix, but vastly larger scale and brand reach.
• Wealth Enhancement Group: National RIA platform that acquires and consolidates smaller advisory practices while preserving local relationships. Comparable to Rowley on retirement-focused individual advisory and team-based delivery, and a likely acquirer profile for firms like Rowley.
• Vanguard Personal Advisor Services: Vanguard's hybrid robo-plus-human advisory service targeting mass-affluent investors with retirement, investment, and planning guidance. Comparable to Rowley on client segment and fee-based advice model, but competes at lower cost and greater brand scale.
• Charles Schwab Wealth Advisory: Schwab's discretionary and advised wealth management offering serving individual investors with retirement and investment planning. Comparable target customer and fiduciary-style advisory model, with national scale and integrated brokerage technology.

Emerging players

• Betterment: Digital wealth management platform offering automated investing and goal-based retirement planning for individuals. Comparable to Rowley on retirement-oriented, mass-affluent individual client focus and low-minimum accessibility, but with a fully digital rather than human-advisor delivery model.
• Wealthfront: Leading robo-advisor offering automated investment management, retirement planning, and now financial planning for mass-affluent clients. Comparable to Rowley on retirement-focused individual advisory and accessibility without high asset minimums, but competes on price and automation.
• Facet Wealth: Digital-first financial planning firm serving mass-affluent and HENRY clients with flat-fee, remote CFP-led planning. Comparable to Rowley on target client and fee-based advice model, but competes with a fully remote, technology-led delivery model.

Regional players

• RKL Wealth Management: Central Pennsylvania-based wealth management affiliate of a regional accounting firm, serving individuals and families with retirement, tax, and estate planning. Comparable to Rowley on regional Pennsylvania footprint, mass-affluent client focus, and integration with tax/accounting professionals.

Direct peers

• Markle Financial LLC: Registered investment adviser that provides the fiduciary RIA umbrella under which Rowley Financial operates. Both serve individual investors with similar retirement and wealth advisory services, making Markle the most directly comparable peer by structure and offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/rowleyfinancial
• LinkedInlinkedin.com/company/rowley-financial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rowley Financial