Financial Research


plan for tomorrow


Wealth management

The Financial Research Experience

With over 30 years of experience, Jay Cowles brings a lifetime of experience to carefully overseeing your portfolio. Find out more


wealth management

How do you see your future?

Get creative. Think big.
What would you be doing?
Where would you be living?
What would your life feel like?

Financial Research is here to make your life easier and more fulfilling. Learn more about our services.


With Your best interests in mind

The Fee-Only & Fiduciary Difference

Wouldn’t you think all financial advisors would be required to act solely in the best interest of their clients? But, amazing as it may seem, that’s not the case. 

Some advisors work with clients on a “fee-only” basis. They get paid only by their clients, not by investment firms or insurance companies. This minimizes the potential for conflicts of interest and helps ensure that clients receive objective advice. Find out more.


over 38 years of experience

About Financial Research

Financial Research is an independent advisory firm located in Issaquah, WA and works with clients on a fee-only basis. This allows for the ability to act as a fiduciary, with clients’ interests always coming first. James Cowles is a NAPFA-Registered Advisor and works with clients primarily through the Wealth Management Service program, which is a combination of financial planning and investment management services provided on an ongoing basis.


schedule a meeting

Take the next step

Contact us to schedule your introductory meeting. We’ll first have a brief phone conversation to discuss whether my services might be a good fit for your situation. If so, we can set up a meeting time that works for your schedule. 

We offer free introductory meetings. 
In our initial meeting we will discuss…

  • Your current situation

  • Your goals and objectives

  • Specific issues or questions you may have

I became a NAPFA-Registered Financial Advisor in 2002. Being a fee-only advisor, with a fiduciary duty to my clients, is the only way I could work in this business. Any other way wouldn’t feel right.
— Jay H. Cowles, CFP®