Craig Cowles

Personal Finance, Retirement, Small Business
“Craig Cowles, founding partner of Mergent Group, is solely focused on his clients' needs and understanding of their individual financial objectives.”

Mergent Group

Job Title:

Founding Partner


Craig has been serving his clients for over a decade and is a founding partner of Mergent Group. As a CFP® professional, he believes that this symbol stands out as a mark for providing the best possible financial advice for clients.

Craig came from the aviation industry, which he believes is very similar to the principles of planning since going from one place to another, especially long journeys, require detailed planning and resources so that the destination can be reached with adequate reserve.

Attention to detail, good listening skills and great empathy are symbols of appreciation by his clients. He is effectively supported by a team of specialists in the investment and administration areas whose teamwork and professionalism help him build long-term relationships with his growing client base and provide excellent customer service.

Craig is a proud recipient of Excelsior College's Bachelor of Science degree and the University of Georgia's Graduate Certificate of Financial Planning. His focus is on professional Aviators, Doctors and health practitioners, and special needs families. He is an active member of the Dallas Chapter of the Financial Planning Association, and regularly gives talks to non-profit groups such as the YMCA and AARP.

Craig has been a professional aviator for over 25 years obtaining his first license in High School, and has been a member of the Aircraft Owner's and Pilots Association since 1986. He has been passionate about aviation his entire life and if you ask will be happy to tell you about aviation. He is currently rated as an Airline Transport Pilot, and has qualified on the Boeing 737, 727, Learjet 60, and Challenger 604/605. He has operated as a Captain, and an Pilot Instructor with examiner authority (simulator) for the FAA, European, and Hong Kong aviation authorities.

Craig is happily married to his lovely wife Rene and has two great sons. Away from the business, Craig enjoys spending time outdoors with his family, flying, and participates in the Dad's club of his son's school.


BS, Interdisciplinary Studies, Excelsior College

Assets Under Management:

$30 million

CRD Number:



Securities offered through LPL Financial, Member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to the contact info section above. Investment advice offered through Mergent Group, a registered investment advisor and separate entity from LPL Financial.

 Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.

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    Debt, Personal Finance
Why is paying off debt always the biggest priority to advisors?
100% of people found this answer helpful

It is mostly a mindset and discipline. What has happened in the past is planners structure debt payments for clients, and they just get into more debt. In other words, some people just don't listen. Giving advice becomes moot because the client does not follow it and planners don't want to see their plans stop. Therefore, getting people to see more than "immediate gratification" (purchasing on credit) or out of necessity is usually the reason for telling people to "get out of debt before buying or investing." It is great in theory because it convinces the person to not use credit because it is a detriment to their finances. But here is the argument, if compounding is the most powerful force in the universe, and you save early, then there will be a nice nest egg at the end! Just the act of saving is the same as the act of paying off debt. It needs to be habitual. I tell people to put away an affordable amount of money per month no matter what the debt load. Get in the habit. Have a disciplined method of getting out of debt, acknowledge the det is there, and then have a plan to reduce it over time.

March 2017
    Financial Planning
How should I prioritize inherited money?
100% of people found this answer helpful
March 2017
    Estate Planning
If my husband and I have a living trust, why would he also need a separate will?
100% of people found this answer helpful
March 2017
    Retirement, 401(k), IRAs
What could I gain from rolling over a 401(k) into an IRA while already in retirement?
100% of people found this answer helpful
April 2017
    Military / Veterans, Investing, Real Estate
What should I do with my current assets to provide long-term financial stability?
100% of people found this answer helpful
April 2017