Keith McGowan
CFP®
American Advisors, LLC
Financial Advisor
Keith McGowan
CFP®
American Advisors, LLC
Financial Advisor
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Keith McGowan, CFP®
Fee-Only financial planner located in Newtown, PA, serving clients locally and across the country
Keith McGowan is a Newtown, PA fee-only financial planner. American Advisors, LLC provides comprehensive and objective financial planning and investment management to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Keith McGowan is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Keith McGowan is the founder of American Advisors located in Newtown, PA.
As the founder of American Advisors, LLC, I have a B.A. in Finance from Duquesne University and an M.B.A from Arizona State University. Additionally, I have over 17 years of experience in the financial industry, beginning as a trader on the Philadelphia Stock Exchange and transitioning into family office management and individual financial consulting before registering as an investment advisor and becoming a CERTIFIED FINANCIAL PLANNER™ professional.
My wife and I live in Bucks County, Pennsylvania and are blessed to have two sons. During my spare time, I enjoy watching Philadelphia sporting events, running, playing golf, traveling and, most importantly, spending time with family and friends.
Keith McGowan is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a 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.
Overview
Our approach is to properly assess a client's risk tolerance, create a custom allocation model that reflects the client's objectives and tolerance, manage the portfolio in a cost and tax efficient manner and finally re-examine and adjust the model as a client needs or expectations shift. We believe that optimal long term investor performance can be accomplished through understanding client objectives and managing the portfolio with a long term perspective. We engage the latest technology resources to enhance the process from understanding clients needs and tolerance, portfolio recommendation, implementation, re-balancing and future modifications.
Client Risk Tolerance and Objectives
We use the riskalyze platform to quantitatively pinpoint a Risk Number®. This approach is advantageous over traditional questionnaires because it identifies the actual investment risk a client is willing to accept. Having this information provides multiple benefits for discussion and decision making. A quick version of the quiz is available on the site under client center.
Unbiased and Fiduciary Portfolio Creation
We are an independent firm, which gives us the ability to provide unbiased advice based on a client's particular needs. We examine a wide range of potential investments to identify what products will best create a portfolio that reflects our client’s individual needs. Primary screening includes but is not limited to manager quality, cost, and tax efficiency. Our core belief is disciplined investing in a cost and tax efficient manner is most beneficial to our clients.
Implementation
Once the proper allocation and account placement are selected, we utilize the latest technology to implement the portfolio. Upon implementation, we utilize the technology to monitor the weightings and alert to rebalance opportunities and potential tax harvesting opportunities. We also use a portfolio risk analyzer to ensure that the portfolio risk is in balance with the identified client risk acceptance.
Monitoring
Portfolios are monitored on a daily basis for rebalancing opportunities. We require at minimum an annual update to re-evaluate risk tolerance, any life changes or any life goal changes. We reflect any changes in the profile into a portfolio adjustment proposal and examine the effects of the changes on a tax basis, cost basis, and expected return and yield basis.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- 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
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Keith McGowan is a NAPFA-Registered Financial AdvisorThe National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Keith McGowan is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® 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.
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Keith McGowan 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.
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Keith McGowan is a Member of the XY Planning NetworkThe XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
Contact Keith McGowan
Office Locations:
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213 Jane Chapman Dr E
Newtown, PA
