# James Cowan

> James Cowan is a fee-only financial advisor at Cowan Capital Advisors in Foster City, California. James charges a percentage of assets and hourly fees ($500 an hour and 1.125% a year on the first tier of assets managed).

Page: https://find.wellspent.co/advisors/james-cowan/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Cowan Capital Advisors
- **Based in:** Foster City, California
- **Fee model:** Percentage of assets; Hourly
- **Fees (firm's website):** $500 an hour; 1.125% a year on the first tier of assets managed; a $2,000,000 asset minimum
- **Assets under management (firm):** $15M across 16 accounts
- **Works with:** Pre-retirees, Retirees
- **CRD:** 3126474 (https://adviserinfo.sec.gov/individual/summary/3126474)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 63 (1998), Series 65 (2001)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://cowancapitaladvisors.com

## Frequently asked questions

### Is James Cowan a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: James holds no broker registration, and Cowan Capital Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does James charge for financial advice?

James charges a percentage of assets and hourly fees.

### How much does James charge?

According to Cowan Capital Advisors's website, checked October 30, 2026: $500 an hour; 1.125% a year on the first tier of assets managed; a $2,000,000 asset minimum.

### Where is James Cowan based?

James Cowan is based in Foster City, California.

### Is James Cowan registered with the SEC?

Yes. James Cowan is registered as an investment adviser representative in CA (CRD 3126474), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Cowan Capital Advisors manage?

Cowan Capital Advisors reports $15M across 16 accounts in assets under management.

### How do I contact James Cowan?

Through James's website, cowancapitaladvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3126474): 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
- The firm's website (https://cowancapitaladvisors.com/): specialties, clients served, and fees, checked October 30, 2026

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