Charles David Cowgill, CFP | Financial Professional | Spokane, Washington | RICHARDS MERRILL WEALTH MANAGEMENT

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Contact Information

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Disclosures on record.

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities. Check for any disclosures as part of your thorough research when choosing an advisor.

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Credentials

CFP®

Certified Financial Planner

Years of Experience

21 years registered in the securities industry

Current & Past Employments

Current

RICHARDS MERRILL WEALTH MANAGEMENTCurrent·CRD# 713

RIA

BD

1. 612 West Main Ave. The M Building Suite 201, Spokane, WA 99201-06452. 612 West Main Ave. The M Building Suite 201, Spokane, WA 99201-0645

February 1, 2024 - Present

RICHARDS MERRILL WEALTH MANAGEMENTCurrent·CRD# 713

RIA

BD

1. 612 West Main Street The M Building Suite 201, Spokane, WA 992012. 612 West Main Ave. The M Building Suite 201, Spokane, WA 99201-0645

February 1, 2024 - Present

Past

CHARLES SCHWAB & CO., INC.Past·CRD# 5393

RIA

Indianapolis, IN

September 16, 2016 - January 10, 2024

CHARLES SCHWAB & CO., INC.Past·CRD# 5393

BD

Indianapolis, IN

June 28, 2006 - January 10, 2024

CFD INVESTMENTS, INC.Past·CRD# 25427

BD

Kokomo, IN

May 13, 2005 - July 7, 2005

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Current Firm

RICHARDS MERRILL WEALTH MANAGEMENT

RICHARDS MERRILL WEALTH MANAGEMENT | RICHARDS, MERRILL & PETERSON, INC.

CRD#: 713 / SEC#: 801-113034, 8-71

RIA

Registered Investment Advisory firm - SEC (4/27/2018 Approved)

Arizona

Registered Investment Advisory firm - SEC (5/31/2018 Terminated)

California

Registered Investment Advisory firm - SEC (6/30/2018 Terminated)

Idaho

Registered Investment Advisory firm - SEC (5/31/2018 Terminated)

Montana

Registered Investment Advisory firm - SEC (5/31/2018 Terminated)

Texas

Registered Investment Advisory firm - SEC (5/31/2018 Terminated)

Washington

Registered Investment Advisory firm - SEC (6/7/2018 Terminated)

BD

Broker-Dealer Firm Regulated by FINRA (Denver district office)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

Contact Information

Main Address

612 West Main Street The M Building Suite 201, Spokane, WA 99201-0645

Mailing Address

612 West Main Street The M Building Suite 201, Spokane, WA 99201

Phone Number

(509) 624-3174

Established

Washington since 07/27/1923

Firm Type

Corporation

Fiscal Year End

December

Firm Size

Small

# of Employees

10

SEC notice filing (11 States and Territories)

Registered to provide investment advisory services in 11 US states and territories.

FINRA licenses (28 States and Territories)

Registered to provide investment advisory services in 11 US states and territories.

Documents

Customer Relationship Summary (CRS / SEC)Customer Relationship Summary (CRS / FINRA)Latest Form ADV

Part 2 Brochures

RMP ADV 2A (3/10/2026)

Direct owners and executive officers

Name	Position	CRD#
CALKINS, MARK J	PRESIDENT CO-CCO	6369006
LARSON, JOHN SCOTT	CEO CHAIRMAN OF THE BOARD	1368801
LARSON, JOHN-MICHAEL	REGISTERED REPRESENTATIVE	7524068
LARSON, STEVEN RICHARD	CHAIRMAN EMERITUS	1029292
MCDONALD, THOMAS LEE	EXECUTIVE VICE PRESIDENT & CFO	1195608
CORIGLIANO, MONIQUE CELESTE	REGISTERED REPRESENTATIVE	1497927
COWGILL, CHARLES DAVID	CO-CCO	4947735

Regulatory Assets Under Management

Total Number of Accounts

1,280

AUM (Assets Under Management)

$643,598,531

Disclosures

Regulatory Event

6

Accountant Surprise Examination Report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/28/2025	Cover Page	Report
11/15/2024	Cover Page	Report
11/19/2023	Cover Page	Report

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Other business activities

Information obtained from regulatory filings. Advisors can request corrections through their firm or regulator.

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

9/20/13,NO,CHARLES COWGILL-SELF EMPLOYED WRITER,INDIANAPOLIS,IN,WRITER,LESS THAN 20,0, IN MY SPARE TIME, I WRITE FICTIONAL NOVELS NOT RELATING TO FINANCE, INVESTMENTS, OR ADVICE. I INTEND TO LIST THESE NOVELS FOR SALE ON THE INTERNET.

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Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

RICHARDS MERRILL WEALTH MANAGEMENT

RICHARDS MERRILL WEALTH MANAGEMENT | RICHARDS, MERRILL & PETERSON, INC.

CRD#: 713 / SEC#: 801-113034, 8-71

RIA

Registered Investment Advisory firm - SEC (4/27/2018 Approved)

Arizona

Registered Investment Advisory firm - SEC (5/31/2018 Terminated)

California

Registered Investment Advisory firm - SEC (6/30/2018 Terminated)

Idaho

Registered Investment Advisory firm - SEC (5/31/2018 Terminated)

Montana

Registered Investment Advisory firm - SEC (5/31/2018 Terminated)

Texas

Registered Investment Advisory firm - SEC (5/31/2018 Terminated)

Washington

Registered Investment Advisory firm - SEC (6/7/2018 Terminated)

BD

Broker-Dealer Firm Regulated by FINRA (Denver district office)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

RR

indicates the advisor is registered as a Registered Representative in this state, allowing securities offerings such as stocks, bonds, and mutual funds through a broker-dealer.

RR

California
(2/1/2024)

RR

Washington
(2/1/2024)

IAR

Washington
(2/1/2024)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.Note:This rule does not apply to broker-dealer activity.