John C. Gower, CFP, EA
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
64
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
64
Very HighAverage account size
$0
About
The firm provides fee-only financial planning and discretionary investment management to high-net-worth individuals, small businesses, trusts, and retirement plans, and also offers tax preparation and related planning services. Services include portfolio management using no-load mutual funds, ETFs, stocks, bonds and other vehicles, with fees charged primarily as a percentage of assets under management.
The firm follows a strategic asset-allocation approach that emphasizes diversification, cost containment, tax management and continuous portfolio oversight, tailoring accounts from capital conservation and income to aggressive growth. Portfolios are managed on a discretionary basis with regular (typically quarterly) reviews, and custody is held through institutional custodians including TD Ameritrade Institutional and SEI for some larger, tax-managed accounts.
Compared with many solo independent advisers, the firm notably manages institutional-type relationships such as employer retirement plans and trusts and its client mix skews toward high‑net‑worth and institutional clients rather than retail non‑HNW individuals. As a solo adviser managing roughly $27 million in discretionary assets (as of September 1, 2018), the practice also devotes about 10% of its work to tax preparation and makes certain insurance and other financial products available while maintaining a fee-only compensation stance.
Client services
Financial planning
Portfolio management
Expertise
Retirement plans for business owners (SEP, solo 401k)
General estate planning guidance
College savings (529s, UTMA, etc.)
Cash flow / budgeting
Tax-loss harvesting
Fee options
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.75% $1,000,001+: 0.50% N/A - N/A: 0.50% for fixed income oriented accounts
$115 per hour for consultations
Minimum fee: Minimum fee of $100 per quarter or $400 per year Fee-only: Fee-only financial advisor, no commissions or referral fees
Main office location
John C. Gower, CFP, EA
9131 Watson Industrial Park, Suite 207
St. Louis MO 63126, United States
Number of offices
2
Most active in
John C. Gower, CFP, EA has reported serving >5 clients in these states in the last 12 months.
Missouri
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
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