# Sowa Financial Group

> Sowa Financial Group is an SEC-registered investment advisory firm in Lincoln, RI, registered since 1993, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated February 12, 2026.

- CRD: 107646
- Filed as: SOWA FINANCIAL GROUP
- Legal name: Sowa Financial Group Inc
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Lincoln, RI
- Filing period: October 2026
- Form ADV filing dated: February 12, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/107646
- AdvisorCensus page: https://advisorcensus.com/firm/sowa-financial-group-lincoln-ri-107646

## Quick answers

**How is Sowa Financial Group compensated?**
On its Form ADV (Item 5.E, October 2026), Sowa Financial Group reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does Sowa Financial Group charge?**
Its Form ADV Part 2A brochure dated February 12, 2026 states: Flat fee: $1,500 to $3,000 (Financial Planning Services); Hourly rate: $500 an hour (RETIREMENT PLAN CONSULTING). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Sowa Financial Group located?**
Sowa Financial Group's principal office is in Lincoln, RI, according to its Form ADV.

**Is Sowa Financial Group registered with the SEC or a state?**
Sowa Financial Group is an SEC-registered investment advisory firm, registered since 1993. Status as filed: Approved. CRD 107646.

**How much does Sowa Financial Group manage?**
Sowa Financial Group reports $517,016,775 in regulatory assets under management in its Form ADV filing dated February 12, 2026 (100% discretionary).

**How have Sowa Financial Group's assets and staff changed since 2021?**
In the Form ADV data for Sowa Financial Group: Regulatory assets under management: $332,505,016 in the October 2021 data and $517,016,775 in the October 2026 data, up 55%. Total employees: 5 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Sowa Financial Group serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (419); high net worth individuals (153).

**Which custodians does Sowa Financial Group use?**
Sowa Financial Group's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists National Financial Services LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Sowa Financial Group report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/107646

**What changed in Sowa Financial Group's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $419,739,482 to $517,016,775 (+23%). Registered or notice-filed in TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 12, 2026)

- Flat fee: $1,500 to $3,000 (Financial Planning Services)

> The fees for Financial Planning Services (described in Item 4.B above) are based on a Flat Fee which generally ranges from between $1,500 and $3,000, depending upon the complexity

- Hourly rate: $500 an hour (RETIREMENT PLAN CONSULTING)

> The Commonwealth Retirement Plan Consulting Program provides clients with the option of paying an annual fee for ongoing services based on a percentage of assets under advisement, a flat fee, or an hourly rate not to exceed $500.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- National Financial Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $517,016,775
- Discretionary: $517,016,775
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 419 | $188,823,571 |
| High net worth individuals | 153 | $328,193,204 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Publication of periodicals or newsletters

### Firm details
- Registered since: 1993 (33 years)
- Employees: 8 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CT, FL, LA, MA, ME, NH, NY, RI, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [sowafinancial.com](https://sowafinancial.com)
- Facebook @sowafinancial
- LinkedIn @sowafinancial

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $332,505,016 | 5 | March 31, 2021 |
| October 2022 | $369,604,014 | 5 | March 28, 2022 |
| October 2023 | $310,770,722 | 7 | October 2, 2023 |
| October 2024 | $352,181,718 | 7 | May 14, 2024 |
| October 2025 | $419,739,482 | 7 | March 10, 2025 |
| October 2026 | $517,016,775 | 8 | February 12, 2026 |

Regulatory assets under management: $332,505,016 in the October 2021 data and $517,016,775 in the October 2026 data, up 55%.
Total employees: 5 in October 2021 and 8 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $419,739,482 to $517,016,775 (+23%).
- Registered or notice-filed in TX.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Sowa Financial Group (CRD 107646): Form ADV filing data as of October 2026.