# Ryley Cowan

> Ryley Cowan is a fee-only financial advisor at Welch Financial Planning in Boulder, Colorado. Ryley focuses on retirement planning and tax planning. Welch Financial Planning reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Welch Financial Planning
- **Based in:** Boulder, Colorado
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $198.1M across 514 accounts
- **Specialties:** Retirement planning, Tax planning
- **CRD:** 7112148 (https://adviserinfo.sec.gov/individual/summary/7112148)
- **SEC registration:** Investment adviser representative in CO
- **Exams passed:** Series 65 (2026)
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** https://www.welchfp.com

## Frequently asked questions

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

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

### How does Ryley charge for financial advice?

Ryley's firm, Welch Financial Planning, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Ryley Cowan based?

Ryley Cowan is based in Boulder, Colorado.

### What does Ryley specialize in?

Ryley's specialties include retirement planning and tax planning.

### Is Ryley Cowan registered with the SEC?

Yes. Ryley Cowan is registered as an investment adviser representative in CO (CRD 7112148), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Welch Financial Planning manage?

Welch Financial Planning reports $198.1M across 514 accounts in assets under management.

### How do I contact Ryley Cowan?

Through Ryley's website, www.welchfp.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7112148): 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://www.welchfp.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.