Financial Research is an independent advisory firm; we work with clients on a fee-only basis and act as fiduciaries, with our clients’ interests always coming first. We work with our clients primarily through a Wealth Management Services program, which is a combination of financial planning and investment management services provided on an ongoing basis.

Jay H. Cowles is the owner of Financial Research and has over 34 years of experience in the financial services industry. He is a Certified Financial Planner and a NAPFA-Registered Advisor. 


Jay Cowles, CFP® was born and raised in the small town of Bellevue, Washington (1960 population – 12,809), I attended The Lakeside School and the University of Washington, from which I graduated in 1977. Pre-career highlights include backpacking in Europe, volunteer work in rural Honduras, college in Guadalajara, and earning my private pilot’s license.

"After college, I went directly into investment management. From 1977 to 1989, I worked in the commodity futures industry as a research analyst, broker, and investment manager. I learned a lot about investing during my years in the futures markets, a place where you don’t last long if you don’t know how to manage investment risk.

I co-founded Financial Research, Inc. in 1991 and have been the sole owner since 1995. I received my Certified Financial Planner designation in 1992 and became a NAPFA-Registered Advisor in 2002. I have also been a member of the Financial Planning Association since 1998.

Outside of work, I spend time with my lovely wife, Kelly, and our two wonderful daughters, Taylor and Kirsten. I love to travel to warmer weather whenever I can, garden, and read in my spare time.