JOAN F. BOWERS

Joan sees herself as a social worker at heart and economist by trade – devoting personalized attention to clients, matched with a high caliber of financial knowledge and insight. She thrives at helping working men and women build a solid financial foundation, by educating and guiding them through the complex financial markets and product offerings. Joan specializes in estate planning and processing and works diligently to help clients grow their legacy and pass on wealth to the next generation in a tax-efficient manner.

Before joining Raymond James, Joan was a financial advisor with Edward Jones for 15 years. She attended Hagerstown Community College, Christopher Newport University, the College for Financial Planning, and Mount Saint Mary’s College.

In April of 2020, Joan was named to the Forbes list of America’s Top Women Advisors. In February of 2024 and 2025, Joan was named to the Forbes list of Best-in-State Top Women Wealth Advisors. † The Forbes ranking of Top Women Wealth Advisors Best-In-State, developed by SHOOK Research, is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors with a minimum of seven years of experience and weighing factors like revenue trends, assets under management, compliance records, industry experience and best practices learned through telephone and in-person interviews. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. This ranking is based upon the period from 9/30/23 to 9/30/24 and was released on 02/11/2025. Research Summary (as of February 2025): 48,220 nominations were received and 2,436 women won. This ranking is not indicative of an advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its financial advisors or RIA firms pay a fee in exchange for this award/rating. Compensation provided for using the ranking. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https://www.forbes.com/lists/best-in-state-women-advisors/?sh=64b505e81d11 for more info.

Joan has long been active in her community as a member of St. Joseph’s Church and Graduate Leadership of Hagerstown, Class 17. She also serves on the board of directors for the Community Foundation of Washington County.

When she’s not in the office, Joan enjoys riding her motorcycle, traveling internationally, and cooking. She is a Hagerstown, Maryland, native and lives with her husband, Jerred. She is a proud stepmother to triplets – Gabby, Olivia, and Jack.