# John McGowan

> John McGowan is a fee-only financial advisor at Mandala Financial Advisors in Salida, Colorado, who holds the CFP and MBA credentials. John charges a percentage of assets, hourly fees and a one-time planning fee (one-time plans from $4,500 and $300 an hour) and focuses on sustainable & impact investing, retirement planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/john-mcgowan/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Mandala Financial Advisors
- **Based in:** Salida, Colorado
- **Fee model:** Percentage of assets; Hourly; One-time planning fee
- **Fees (firm's website):** one-time plans from $4,500; $300 an hour; 1% a year on the first tier of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $25.4M across 66 accounts
- **Credentials:** CFP, MBA
- **Specialties:** Sustainable & impact investing, Retirement planning, Estate & legacy planning, Tax planning, Small business owners
- **Works with:** Early-career professionals, Pre-retirees, Mid-life transitions
- **CRD:** 4825807 (https://adviserinfo.sec.gov/individual/summary/4825807)
- **SEC registration:** Investment adviser representative in CO, IA
- **Exams passed:** Series 63 (2006)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://mandala.financial

## Frequently asked questions

### Is John McGowan a fee-only financial advisor?

Yes. John McGowan is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by John's firm.

### How does John charge for financial advice?

John charges a percentage of assets, hourly fees and a one-time planning fee.

### How much does John charge?

According to Mandala Financial Advisors's website, checked October 28, 2026: one-time plans from $4,500; $300 an hour; 1% a year on the first tier of assets managed.

### Where is John McGowan based?

John McGowan is based in Salida, Colorado.

### What does John specialize in?

John's specialties include sustainable & impact investing, retirement planning, estate & legacy planning, tax planning and small business owners. John works with early-career professionals, pre-retirees and mid-life transitions.

### What credentials does John McGowan hold?

John McGowan holds the CFP and MBA credentials.

### Is John McGowan registered with the SEC?

Yes. John McGowan is registered as an investment adviser representative in CO and IA (CRD 4825807), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Mandala Financial Advisors manage?

Mandala Financial Advisors reports $25.4M across 66 accounts in assets under management.

### How do I contact John McGowan?

Through John's website, mandala.financial.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/john-mcgowan-11008): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://mandala.financial/): specialties, clients served, and fees, checked October 28, 2026

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