Dave Rowan

Investing, Small Business, Lifestage Based Planning
“Dave Rowan, CFP®, is committed to helping business owners, career changers and people nearing retirement navigate their wealth transitions with confidence and financial security.”

Rowan Financial LLC

Job Title:

Founder, President


Dave Rowan, MBA, CFP® is the founder of Rowan Financial, LLC.  His mission is to enable his clients to achieve a future that is even brighter than their past and present.

 Dave primarily attracts clients who are contemplating or experiencing a career transition.  This includes moving from one employer to another while remaining in the same field, pursuing an entirely new profession, starting up a small business or embarking upon an encore career.  Dave provides his clients with the short-term guidance necessary to successfully navigate these often stressful transitions with more confidence and financial security than they had ever imagined was possible. 

 Dave transforms the lives of professionals and entrepreneurs across the country with his expertise through his free online newsletter and blog.  Each issue contains high value content that enables readers to make the most of their career transitions, not only from a professional development standpoint, but also in terms of their financial and personal goals.

 Dave is a Certified Financial Planner® and is also a member of the Financial Planning Association® (FPA®).  His background also includes a BS degree in Chemical Engineering from Penn State and an MBA from Lehigh University.

 Dave is a sought after expert in the financial news media.  He has been featured in various online publications including US News & World Report, NASDAQ.com, The LA Times, Yahoo! Finance,  Investopedia, and The Christian Science Monitor.

 Dave grew up in the Lehigh Valley of Pennsylvania and has lived in the area for most of his life.  He currently resides in Bethlehem with his wife Stacy and their two daughters.  He loves walking and hiking in nature, football, lacrosse, yoga, reading, writing, shopping at local farmers’ markets, eating healthy food, an occasional battle on Clash of Clans, and bringing positive energy to his work and his relationships with family and friends.  


BS, Chemical Engineering, The Pennsylvania State University
MBA, Management of Technology, Lehigh University

Fee Structure:


CRD Number:


  • Dave Rowan | Rowan Financial
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January 2017
    Career / Compensation, Retirement Savings
April 2017
4 weeks ago
August 2017
    Retirement Savings, Starting Out
March 2017
    Estate Planning, Retirement

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    Career / Compensation, Financial Planning, Exit Strategy
Should I stop working?
100% of people found this answer helpful

Congratulations on being so well prepared for retirement!

To me, you have positioned yourself well to have wonderful options available at this life stage. I am glad to hear that your wife loves her job, which I'm assuming means that she would plan to continue working for the foreseeable future. A first consideration for you is similar - do you love your job? If you do and find it deeply fulfilling, then there is no reason to stop. However, since you're asking this question, I'm guessing you don't love it.

If that's the case, then I'd recommend figuring out what you plan to do at this life stage because 45 is awfully early to retire. Some ideas:

- Take a career pause to spend time with your 10 year old for the next 8 years, then figure out what you want to do.

- Scale back and find something part time (even if it's not an ideal job) to have more time with your son.

- Read the following book to discover your Unique Ability - 


Your Unique Ability is defined as a short list of tasks that you do better than almost anyone else and love so much that you'd do them for free all day long. Find work that allows you to focus upon your Unique Ability, even if it represents a pay cut versus what you're doing currently.

On the financial side of things, you can do a quick and dirty check on your retirement readiness by calculating your Retirement Account Multiple or RAM.  Check out the following article to learn how:


If you get a RAM of greater than 7, (which I'm guessing you will) you can seriously consider pursuing alternate work that you find more fulfilling. If you are looking for a more detailed Retirement Plan for more certainty on your future finances, consider reaching out to an advisor:

Good luck with this important decision!

With Kind Regards,


September 2016
    Banking, Financial Planning
What are the pros/cons of using a taxable investment account?
100% of people found this answer helpful
September 2016
I'm new to this. Can I sell or buy stock by myself?
94% of people found this answer helpful
September 2016
    Financial Planning, Choosing an Advisor
Will a financial advisor provide an unbiased assessment of a financial plan I already have in place?
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December 2016
    Investing, Stocks
How can I prevent commissions and fees from eating up my trading profits?
89% of people found this answer helpful
December 2016