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an Office of Garrett Investment Advisors, LLC

About Us

Tess Rowland, CFP®, CPA/PFS, CDFA®

Tess is a CERTIFIED FINANCIAL PLANNER™ professional who has been serving clients since 2005. She began her career in the financial services industry as a CPA staff accountant working with small businesses, audits, and income tax preparation. In 2007, she transitioned to a financial advisor for individuals, couples, and company-sponsored retirement plans. With years of wealth advisory experience, Tess is committed to partnering with her clients to provide competent, objective financial planning and investment advice.

In addition to serving her clients, Tess is actively sought to provide her empowering financial advice as a guest speaker for universities, national women organizations, medical professional groups, and corporate leadership events. She enjoys providing information that enhances financial literacy, and to assist those who are navigating their life course and at key moments of decision-making.


  • Certified Divorce Financial Analyst®, Institute for Divorce Financial Analysts™
  • Certified Financial Planner Certificate, Northwestern University
  • Personal Financial Specialist, American Institute of Certified Public Accountants
  • Certified Public Accountant, Olivet Nazarene University
  • Bachelor of Science, University of Iowa 
  • Registered Nurse, Iowa Methodist School of Nursing


T Rowland Financial Services (TRFS) provides hourly, as-needed financial planning, and consultative services. With a steadfast commitment to providing services that are solely in her clients’ best interest in achieving their financial goals and objectives, TRFS operates as a transparent fee-only, fiduciary financial service.

TRFS partners with individuals, couples, and small businesses. There are no account minimums to becoming a client. Our time together and services provided can range from a single meeting to address a specific area such as portfolio reviews, 401(k) investment fund choice evaluations, to continuous on-going services such as broad-based and retirement planning, portfolio construction, investment advice, and assisting with company-sponsored retirement plans that encompass all aspects of your financial life.


Contact Us

T Rowland Financial Services
4 Bristol Green
Bourbonnais, IL 60914

Phone | 815-954-7304
Email | tessr@trowlandfinancialservices.com
Schedule a meeting

Investment advisor representative of and investment advisory services offered through Garrett Investment Advisors, LLC, a Fee-Only SEC registered investment advisor. Tel: (910) FEE-ONLY. T Rowland Financial Services may offer investment advisory services in the State of Illinois and in other jurisdictions where exempted.