Michael Joseph Cowan

Employer firm

Wells Fargo Advisors Financial Network, LLC CRD 11025

$252B regulatory AUM 2,990 advisory clients

Reported services (Item 5G)

Financial planning
Portfolio management (individuals)
Portfolio management (institutions)
Pension consulting
Selection of other advisers
INVESTMENT CONSULTING SERVICES TO INSTITUTIONAL CLIENTS

From the firm’s Form ADV. Read the guides:

Current Employers

Wells Fargo Advisors Financial Network, Llc

One North Jefferson Avenue Mail Code: H0004-05E, St. Louis, MO 63103-2205 • United States

Current Registrations

Authority	Category	Status	Date
TX	RA	APPROVED_RES	2016-08-25
FL	RA	APPROVED	2009-04-23

TX RA
APPROVED_RES

Since 2016-08-25
FL RA
APPROVED

Since 2009-04-23

Branch Locations

3825 Pga Boulevard Ste 601, Palm Beach Gardens, FL 33410 • United States

One Town Center Road Suite 660 [Satellite], Boca Raton, FL 33486 • United States

Disclosures

1 disclosure category reported Yes on this SEC record. Read each Yes below, then review the firm’s Form ADV Item 11 guide for how disclosure questions work.

Regulatory action No
Criminal No
Bankruptcy No
Civil judicial No
Bond No
Judgment / lien No
Investigation No
Customer complaint Yes
Termination No

Employment History

Organization	City	State	From	To
Wachovia Securities Financial Network, Llc (11025)	Palm Beach Gardens	FL	04/2009	Present

04/2009 → Present

Wachovia Securities Financial Network, Llc (11025)

Palm Beach Gardens, FL

Previous Registrations

2005-11-17 → 2009-05-05

Citigroup Global Markets Inc.

North Palm Beach, FL
1999-04-22 → 2005-12-02

Ubs Financial Services Inc.

North Palm Beac, FL

Other Businesses

DALEH LLC, INV RELATED, PALM BEACH GARDENS, FL, 100% OWNERSHIP WITH SPOUSE, START 3/4/2020, 4 HRS PER MONTH, 0 HRS DURING TRADING, PASSIVE OWNER OF YACHT SERVICE. GARDENS WEALTH MANAGEMENT LLC; INV RELATED; PALM BEACH GARDENS, FL; 100% OWNERSHIP; START 1/1/2019; NUMBER OF HOURS PER MONTH 160; NUMBER OF HOURS DURING TRADING 0; OWNER OF FINET PRACTICE.; COWAN INV. & INS. PLANNING LLC, INV RELATED, PALM BEACH GARDENS, FL, 100% OWNERSHIP, START 1/1/2019, FINET PRACTICE LLC. GGI FOUNDATION INC; INV RELATED; WEST PALM BEACH, FL; TREASURER; START 9/24/2021; NUMBER OF HOURS PER MONTH 4; NUMBER OF HOURS DURING TRADING 0; DISCUSS STRATEGIC PLANNING, FINANCIAL STATEMENTS, AND WAYS TO EXPAND INITIATIVES. GARDENS WEALTH LEGACY PARTNERS LLC, INV RELATED, PALM BEACH GARDENS, FL, 75% OWNERSHIP, START 10/31/2023, ZERO HOURS PER MONTH, ZERO HOURS DURING TRADING, FINET PRACTICE. GARDENS WEALTH HOLDCO LLC , INV RELATED, PALM BEACH GARDENS, FL, 60.075% OWNERSHIP, START 10/31/2023, 2 HOURS PER MONTH, ZERO HOURS DURING TRADING, FINET PRACTICE. GGI HOUSING SERVICES INC ; NOT INV RELATED; WEST PALM BEACH,FL;BOARD OF DIRECTORS; START DATE: 12/01/2025; 2 HRS PER MONTH; 2 HRS DURING TRADING; | GARDENS GROWTH PARTNERS, LLC; INV RELATED; PALM BEACH GARDENS,FL; MERCHANT PARTNERSHIP.;25% OWNERSHIP; START DATE: 12/01/2025; 1 HRS PER MONTH; 0 HRS DURING TRADING; RENTAL PROPERTY - DIVOSTA; INV RELATED;PALM BEACH GARDENS,FL; COMMERCIAL OFFICE SPACE ;100% OWNERSHIP; START DATE: 05/20/2026; 1 HRS PER MONTH; 0 HRS DURING TRADING;

Exams

Code	Exam	Date
S63	Uniform Securities Agent State Law Examination	1999-05-04
S65	Uniform Investment Adviser Law Examination	1999-05-04

S63 Uniform Securities Agent State Law Examination

1999-05-04
S65 Uniform Investment Adviser Law Examination

1999-05-04

View on SEC IAPD