Jay Cowles


Financial Research, Inc.

Financial Advisor

Jay Cowles


Financial Research, Inc.

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Jay Cowles, CFP®

(425) 657-0182

Fee-Only Financial Advisor serving the Issaquah and Bellevue, WA area.

Jay Cowles is a Issaquah, WA fee-only financial planner. Financial Research, Inc. provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Jay Cowles is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Jay Cowles is a Fee Only Financial planner in Issaquah, WA. Jay Cowles is a NAPFA-Registered Financial Advisor.


Born and raised in the small town of Bellevue, Washington (1960 population – 12,809), I attended The Lakeside School and the University of Washington, from which I graduated in 1977. Pre-career highlights include backpacking in Europe, volunteer work in rural Honduras, college in Guadalajara, and earning my private pilot’s license.

After college, I went directly into investment management. From 1977 to 1989, I worked in the commodity futures industry as a research analyst, broker, and investment manager. I learned a lot about investing during my years in the futures markets, a place where you don’t last long if you don’t know how to manage investment risk.

I co-founded Financial Research, Inc. in 1991 and have been the sole owner since 1995. I received my Certified Financial Planner designation in 1992 and became a NAPFA-Registered Advisor in 2002. I have also been a member of the Financial Planning Association since 1998.

Outside of work, I've been involved with youth soccer since 2000, acting as a Select-level head coach and have run clinics for other soccer coaches.

Jay Cowles is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning
Financial Research, Inc. is an independent advisory firm; we work with clients on a fee-only basis and act as fiduciaries, with our clients’ interests always coming first. We work with our clients primarily through a Wealth Management Services program, which is a combination of financial planning and investment management services provided on an ongoing basis.

Jay H. Cowles is the owner of Financial Research and has over 34 years of experience in the financial services industry. He is a Certified Financial Planner and a NAPFA-Registered Advisor.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Jay Cowles is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Jay Cowles is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Financial Planning Association
    Jay Cowles is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

Contact Jay Cowles

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Office Locations:

  • 317 NW Gilman Blvd
    Suite 9
    Issaquah, WA 98027

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