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If you are looking for independent, objective financial planning and advice – without account minimums or conflicts of interest – you have come to the right place. As you will see from visiting our site, we are a different type of financial services firm. We think you will find our philosophies and vision to be both refreshing and compelling.

Our site is designed to provide introductory information to potential new clients.  Thanks for visiting!

About Us

Sheila is an Investment Advisor Representative of CGN Advisors, LLC.

Sheila Stowers, CFP®, MBA Photo

Sheila Stowers, CFP®, MBA

Financial Advisor

Sheila began in the financial services industry in 1997 working for a national discount brokerage helping small business owners and other individual investors evaluate their retirement plan options. From there, she moved to the discretionary money management/investment advisory service offered within the firm and helped clients understand the need for having a sound financial plan, the importance of examining their asset allocation and risk tolerance (in light of their time horizon), and the importance of periodic portfolio rebalancing (and reallocations, when needed). Sheila also worked for a low-cost asset management firm in their institutional client services department in Austin, Texas. Prior to forming Stowers Financial Planning in 2012, she guided 401(k) participants in examining their retirement savings strategies to make sure they were on track with saving enough and investing properly to achieve their retirement goals.

Sheila has a Bachelor of Arts degree in Economics from Southern Illinois University and a Masters of Business Administration degree from the University of Dallas with a Financial Services Concentration. Sheila is a CERTIFIED FINANCIAL PLANNER™ professional.

Sheila is a member of the Garrett Planning Network, an international affiliation of independent, Fee-Only financial planners dedicated to providing objective advice on an as-needed basis to people of all income levels. She also belongs to the National Association of Personal Financial Advisors.

As a mother, Sheila is especially knowledgeable in the issues facing families. Most parents are overwhelmed by the demands of meeting current cash flow needs, saving for their children’s education and planning for their own retirement. Some are even squeezed by the demands of caring for their aging parents. Sheila can assist you in overcoming the challenges of balancing your financial planning and day-to-day needs.

Sheila StowersGarrett Investment Advisors, LLC, is a fee-only SEC Registered Investment Advisor firm and a new offering for members of the Garrett Planning Network, Inc., an international network of fee-only financial advisors and planners.

We are independent advisors and our goal is to make competent and objective advice accessible through hourly as-needed financial planning.

We are committed to providing independent, objective advice to people from all walks of life. Through the advantages of competent, professional planning, we seek to empower our clients to make the best financial decisions possible. As staunch consumer advocates and Fee-Only client fiduciaries, we continue to demonstrate our commitment to serving the public's best interests.

You don't have to have a fortune to start building one. Why not get started today?

Fee-Only Financial Planning


Stowers Financial Planning provides hourly, as-needed financial planning and coaching. Sheila Stowers, CFP®, MBA specializes in meeting the needs of everyday people and primarily works with individuals and families who know where they want to go... but need a little help getting there.

There are no account minimums to become a client. You can get as little or as much help as you want – from a focused engagement to address a specific area, to comprehensive plan that addresses all aspects of your financial life.

Unlike many financial advisors, Stowers Financial Planning does not sell stocks, annuities or insurance policies. That means we do not receive commissions or kickbacks for recommending certain financial products. We work just for you because we are paid just by you.

Each financial plan is custom-priced to your specific situation based on our hourly fee - contact us today to discuss!

Following are the services that we offer:

  • Straightforward, objective recommendations for investment strategy
    and selection, retirement planning, and college funding
  • Review of existing financial investments
  • Referral to other trusted professionals for legal, accounting, and insurance services when needed

Registered Investment Advisor of  CGN Advisors, LLC

Compliance Forms

As an Investment Adviser Representative, Sheila Stowers, CFP®, MBA is required to provide clients with her ADV Part 2B prior to engagement.

Form ADV Part 2B

Also, please contact us for CGN Advisors, LLC's Form ADV Part 2A required disclosure brochure.


Stowers Financial Planning is a proud member of the following societies and adheres to their standards of professional excellence and integrity.

Commitment to Excellence

Fee-OnlySheila Stowers, CFP®, MBA, is a NAPFA Registered Advisor. The National Association of Personal Financial Advisors is the largest professional association of Fee-Only financial planners in the United States. With over 800 members and affiliates, in 45 states, the members of the National Association of Personal Financial Advisors (NAPFA) subscribe to a strict fiduciary oath. In addition, NAPFA members are required to fulfill significant continuing education requirements.

Commitment to Objectivity

Fee-OnlyStowers Financial Planning owners and principals are members of NAPFA, the National Association of Personal Financial Planners (www.napfa.org). NAPFA members practice Fee-Only financial planning which is client-centered, objective and ethical. As a Fee-Only advisory firm, recommendations are untainted by any type of fee received by the vendors of financial products, including investment funds, insurance companies and estate attorneys. Fee-Only advisors provide consumers and institutions with comprehensive and objective financial advice on a Fee-Only basis, keeping only the best interests of the client in mind – with neither the advisor nor any related party receiving compensation contingent on the purchase or sale of a financial product.

Making competent, objective financial advice accessible

Garrett Planning NetworkSheila Stowers, CFP®, MBA is a member of the Garrett Planning Network, an international affiliation of Fee-Only financial planners dedicated to serving people from all walks of life. As staunch consumer advocates and Fee-Only client fiduciaries, members of the Garrett Planning Network continue to demonstrate their commitment to serving the public's best interests by making competent, commission-free financial planning and advice accessible to all people. Many financial advisors accept clients only if they meet certain income and net worth requirements. Sheila and her fellow Garrett network members believe, however, that professional, objective financial advice is something all Americans need, at least periodically, to build the brightest financial futures. Holding to this philosophy, Sheila is proud to offer the same quality, professional advice to all clients, not just the affluent.

Members bring the collective wisdom of the entire network – comprised of over 200 financial planning and allied professionals – to their own individual practices. Advice is provided on an hourly, Fee-Only basis, which means that clients pay only for the time an advisor works with or for them. In addition, some Garrett members offer their services on a retainer basis, which is the case at Stowers Financial Planning. Members do not accept sales commissions or third-party compensation. All compensation comes directly from their clients.

Getting Started is Easy

Contact Us

Sheila invites you to call Stowers Financial Planning to schedule an initial complimentary Get Acquainted Meeting to ensure her services are the right fit for your needs. Whether you need a comprehensive financial plan, a financial checkup, investment advice or a specific financial question answered, Stowers Financial Planning will help you achieve your financial goals and objectives.