OUR ADVISORY APPROACH

Cowen & Associates's approach to managing money is distinguished in several ways. First, our firm's primary focus is financial planning. From our experience, one of the big mistakes that people make in managing their assets is to neglect the large gains that come from sound retirement and tax planning. The few extra percentage points that you can earn on a good investment may be of little help if you have not done adequate planning for your retirement. A key part of what Cowen & Associates offers our clients is the dedicated focus we have on working with investors in our area. Although we have client relationships out of the area, most of our clients are a part of this community. This involvement has allowed us to develop a network of strong professional relationships. For that reason, we feel that we have more to offer each client that just investment advice.

HOW WE TAKE ADVANTAGE OF THE INTERNET:

Being Internet based means that we have resources that are not only broader than those available to a traditional advisor, but are quick and easy to access as well. The result is that we have a greater ability to find and analyze a range of investment opportunities. This helps us give better advice more consistently, bring information to our clients quickly and present information that is easier to understand. At the same time, lowering the cost of account management. These tools help in our search for sound investment opportunities, as well as in our effort to track them. Not only is the Net a useful tool when we are initially looking for a new company to invest in, but it is also useful for tracking news and earnings changes for the companies we have already bought, or identified as a potential buy. This tracking is done automatically and electronically so that we do not have to rely on memory, or manual systems to do it. Each day our electronic mail-boxes are filled with press releases, earnings changes, and key stories effecting the stocks and industries that we own or are considering the purchase of. In terms of Research resources, which is the most valuable investment asset of the Internet, our web-site has direct links to some of the best information available.

CONTACT INFORMATION:

Cowen & Associates 4025 Caminito Davila San Diego, CA 92122 Phone: (858)454-0278 Contact: J. Steven Cowen  Email: jscowen@sbcglobal.net

DISCLAIMER: This web-site is for informational purposes only and does not constitute a complete description of our investment services or performance. This web-site is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registration exists. Information throughout this site, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this web-site should be interpreted to state or imply that past results are an indication of future performance. Neither we or our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY 'LINKED' WEB-SITE.