# Cynthia Bowen

> Cynthia Bowen is a fee-only financial advisor at Bowen Financial Services in Midlothian, Virginia, who holds the CFP credential. Bowen Financial Services reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/cynthia-bowen/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Bowen Financial Services
- **Based in:** Midlothian, Virginia
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $191.0M across 305 accounts
- **Credentials:** CFP
- **CRD:** 7960015 (https://adviserinfo.sec.gov/individual/summary/7960015)
- **SEC registration:** Investment adviser representative in VA
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** https://bowenfinancial.com

## Frequently asked questions

### Is Cynthia Bowen a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Cynthia holds no broker registration, and Bowen Financial Services reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Cynthia charge for financial advice?

Cynthia's firm, Bowen Financial Services, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Cynthia Bowen based?

Cynthia Bowen is based in Midlothian, Virginia.

### What credentials does Cynthia Bowen hold?

Cynthia Bowen holds the CFP credential.

### Is Cynthia Bowen registered with the SEC?

Yes. Cynthia Bowen is registered as an investment adviser representative in VA (CRD 7960015), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Bowen Financial Services manage?

Bowen Financial Services reports $191.0M across 305 accounts in assets under management.

### How do I contact Cynthia Bowen?

Through Cynthia's website, bowenfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7960015): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.