About Foxholm Financial
Fee-Only Retirement Planning for STEM Professionals and Educators
Foxholm Financial is a small, fee-only advisory firm based in Georgia, serving STEM professionals and educators across the Southeast in the years right before and after retirement. Many people at this stage are not looking for someone to manage their money for a percentage every year. What they need instead is a clear plan for turning decades of saving into reliable retirement income, a professional to pressure-test it, and the ability to keep full control of their own accounts. In practice that means distribution planning, Roth conversion and Social Security timing, and helping educators weigh high-fee 403(b) annuities against lower-cost alternatives.
No products to sell. No commissions. No percentage-of-assets fee that grows with your portfolio. On a $1.5 million portfolio, a typical 1% management fee costs $15,000 every year. Here you pay a flat fee for the work and keep your assets. Taking that fee conflict off the table leaves one focus, a loyal educator and technical resource working in your interest. Learn about the fee-only fiduciary model.
Robert Stowe, M.Ed., AAMS®
Owner & Investment Advisor
Professional Background
Robert is a fee-only fiduciary advisor for STEM professionals and educators in the years around retirement. His credentials include the Series 65 and the Accredited Asset Management Specialist (AAMS) designation from the College for Financial Planning, with coursework across investments, insurance, tax, retirement, and estate planning. He brings that training to a single job, helping you build a plan you understand and can run yourself. You keep custody of every account, and he provides the analysis and the teaching.
Rather than relying on intuition, Robert applies quantitative methods to portfolio construction and prioritizes systematic discipline and tax efficiency. That evidence-over-intuition approach comes from his work in FinTech engineering, which spans more than fifteen years as a software architect and engineering leader building the institutional systems that move money for major financial and insurance firms, systems that run on audited security-and-controls standards (SOC 2 Type II), the same controls-and-evidence discipline the financial industry uses to demonstrate it can be trusted. For STEM professionals and educators, it means an advisor who can pressure-test a withdrawal plan, sequence Roth conversions, time Social Security, and model the tax trade-offs of holding versus diversifying employer stock, while showing the reasoning behind each recommendation.
His Master's in Educational Technology shapes that approach, breaking complex decisions into clear steps so you can make informed choices on your own, long after the engagement ends.
Foxholm Financial is a small Georgia practice. Every conversation, analysis, and deliverable comes directly from Robert; no junior associate picks up the file partway through.
Robert has lived in Atlanta, GA with his family since 2007. Travel and photography are interests outside of working hours.
Independent Advisor
As a registered investment adviser, Robert operates under a fiduciary standard. Three practical obligations shape how he works with clients:
Commission-Free
Robert's compensation comes directly from client fees. He does not earn commissions from product sales. This removes the incentive to recommend one investment over another based on how much it pays the advisor.
Best Interest
The fiduciary standard requires seeking the best available option for each client's specific situation, not merely an option that meets minimum requirements. This means analyzing the complete financial picture, tax situation, and long-term objectives before making recommendations.
Client Control
Foxholm Financial does not take custody of client assets. Your accounts remain in your name at your chosen custodian. You retain full control over implementation and decide which recommendations to act on.
Credentials
Education
Master of Education
Educational Technology, University of Florida
Bachelor of Applied Science
Information Technology, Kennesaw State University
Associate of Applied Science
Web Applications & Services Development, Central Georgia Technical College
Designations & Qualifications
Accredited Asset Management Specialist
College for Financial Planning
Registered Investment Adviser Representative
State of Georgia
Uniform Investment Adviser Law Exam
NASAA & FINRA
Investment Philosophy
Systematic, rules-based strategies built on the same quantitative rigor used in institutional FinTech
Evidence-Based Investing
Investment decisions are grounded in academic research and historical data. Read our plain-language reviews of foundational academic papers to see the research behind our strategies. Behavioral biases may create opportunities that systematic, rules-based approaches seek to capture.
Risk Management First
Capital preservation is prioritized alongside return objectives. Maximum drawdown constraints and portfolio stress testing help guide systematic strategy development.
Systematic Discipline
Remove emotional decision-making through rules-based systems with predetermined entry, exit, and risk management protocols.
Momentum & Volatility
Price momentum and volatility regimes may offer informative signals when combined systematically across multiple timeframes.
Tax Efficiency
After-tax returns matter more than pre-tax returns. Tax-loss harvesting, qualified dividends, and long-term capital gains treatment.
Transparency
Clients receive complete transparency into strategy logic, educational materials, and implementation details.
We prove our work. View our sample deliverables to see how we translate analysis into clear, actionable advice: Strategic Review | Focused Review
"A financial plan works when you'll stick with it, built around your retirement timeline, your tax situation, and the income you'll actually need, not a template designed for a mass-market demographic."
Ready to Get Started?
Send a message to discuss your situation and determine whether the firm's quantitative, advice-only approach is the right fit. The first reply comes directly from advisor Robert Stowe, not a sales associate.