Cowans Financial Services

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HighlandAdvisory Groupspecializes in providing Financial Planning, Asset Management and Business Solutionsfor professionals, wealthy families and business owners. Our objective is tomap out your goals and showyouhow to attain them.
For a COMPLIMENTARY Initial Consultation contact Highland Advisory Group, fill out the form and we will be in touch.
Wealth management strategies demand personalized service. We specialize in comprehensive financial services, which include managing your investments as well as coordinating all the advisors who play a part in managing your wealth, business and estate. Our role is to serve as your Financial Quarterback, making sureyour team is following the game plan.

"Someone'ssitting in the shade today because someone planted a tree a long time ago"-Warren Buffet

Roth IRA Conversion
This calculator can help you determine whether you should consider converting to a Roth IRA.

Determine whether you should consider refinancing your mortgage.
Cost of Retirement
Use this calculator to estimate how much income and savings you may need in retirement.

Use this calculator to determine whether you qualify for the different types of IRAs.
More Calculators →

Can You See Your Business as a C Corp?
When you opened or purchased your business, you may never have dreamed that one day you'd be at the helm of a corporation. But if your business has become so profitable that you are ready to consider new ways to manage your tax burden, it could be time to consider incorporation.
Keeping Up with College Costs
The cost of a college education continues to rise rapidly, reaching new highs along the way. This worksheet can help you prepare for these mounting costs.
HOT TOPIC: Consider the Risks of Relying on Social Security
For the second time in as many years, Social Security beneficiaries will not receive an anticipated cost-of-living adjustment. Although the decision to freeze benefits in 2011 is not directly related to the social insurance programs fragile financial situation, it might be a good idea to expect more surprises from Social Security.
Time to Get Back to RMDs
If you took advantage of the temporary reprieve that allowed you to skip required minimum distributions from traditional IRAs and employer-sponsored retirement plans in 2009, be aware that no such exemption exists for the 2010 tax year.
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Educate yourself on a variety of financial topics.

A host of financial tools to assist you.

Timely Newsletters to help you stay current.

Animated presentations to help you learn and decide.

Ideas to help simplify everyday finances.

Manage your taxes and prepare for the upcoming tax season.

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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER andin the U.S., which it awards to individuals who successfully complete CFP Boards initial and ongoing certification requirements.
*Services available AL, AK, AZ, CA, CO, GA, ID, IL, MT, NV, NM, NC, OH, UT & WA.