Financial Research, Inc. is a fee-only advisory firm that provides wealth management and investment management services to individual and corporate clients. Mr. Cowles has over 30 years of experience in investment management and financial planning, helping clients make informed financial decisions and play a smarter game when it comes to their money. Jay acts strictly as a fee-only advisor so that clients know they are receiving advice and counsel which is based on true objectivity. Financial Research, Inc. is a fully independent company and receives no commissions or compensation from investment transactions or insurance products. Our wealth management services rely on a process that has proven effective in helping clients move forward toward important goals and getting what they want in life. Most clients of Financial Research are provided with a comprehensive wealth management program, combining investment management and financial planning services.