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David L. Cowee Photo David L. Cowee Hover Photo
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David L. Cowee

President & Investment Advisor Representative


David is a financial speaker, educator, and advisor who has been assisting pre-retirees and retirees in the East Texas area since 1988. He is the Founder of Pineywoods Financial, a State of Texas Registered Investment Advisor Representative, and a licensed insurance agent. The success of his firm is a direct reflection of his deep commitment to his clients, their families, and the concerns they bring to his door. For over three decades, his advice and planning strategies have been staples in the retirement planning process for thousands of people. He teaches them how to protect and preserve their assets, increase their retirement income, and reduce their taxes. David’s instructing has led many courses for other advisors across the country on advanced estate planning strategies. His dedication to his family, church, clients, and community is reflected in his professional and personal life daily. He is an Elder at Fredonia Hill Baptist Church and a member of The Nacogdoches County Chamber of Commerce. David lives just outside of Nacogdoches with his wife, Sheila, of over 37 years. They spend every spare moment with their six precious grandchildren.

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Jarrod P. Null

Certified Financial Planner


Jarrod, CFP®, is a financial speaker, educator, and advisor with over ten years of experience in the financial services industry. Much of his career has been at Pineywoods Financial where he has served clients since 2008. His CFP® designation is held by less than one-fourth of the financial industry professionals. Jarrod prides himself in making sure they have peace of mind and are confident in their financial future. He has access to almost the entire universe of financial tools and gives advice prudently to meet his clients’ needs. His extensive training and experience allow him to design comprehensive retirement plans for families and individuals. Jarrod obtained his business degree at Stephen F. Austin State University, where he met his lovely wife, Laura. He completed his CFP® professional coursework through the College for Financial Planning. Jarrod and Laura are the proud parents of three children and live in Nacogdoches, where they are very active in their church and community. He loves spending time with family and almost all outdoor activities and sporting events. Until he retires, his spare time is usually spent with family, hacking at a golf ball, or on an occasional camping trip.

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Bethany L. Russell

Account & Office Manager


Bethany joined the Pineywoods Financial staff in February of 2018. She brings over eight years of customer service to the firm, with work experience in management, medical sales, billing, and charting. Bethany is dedicated to providing our clients with excellent customer service every step of the way. She became a Texas resident in 2016 after moving from Arkansas. Bethany and her husband Jason live in Nacogdoches, and she is a proud mother to her stepchildren Drew and Emma. Their family is head-over cleats for baseball and soccer. She can often be found on the field or headed to a Rangers game.

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Chad C. Wood

Account Manager


Chad Wood joined Jarrod's team and the Pineywoods Financial staff in August 2020. He is a long-time family friend. The majority of his professional career has been spent as a self-employed entrepreneur. He has accumulated many skills and much perspective through his ventures. Chad has managed construction teams, currently owns a poultry farm, and even enjoys detailed cashflow analysis. Chad, his wife Jamie, and their two children, live in Nacogdoches and are active members of Fredonia Hill Baptist Church. Although he enjoys many outdoor activities, he really enjoys scuba diving and going spearfishing!

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Ciara M. Cagle

Director of First Impressions & Events


Ciara Cagle joined the Pineywoods Financial staff in October 2020. She graduated from Stephen F. Austin State University with a B.A in Communications Studies. Ciara’s educational emphasis on Public Relations and Marketing has equipped her with strong customer skills and an eye for design. She and her husband, Hayden, attend Fredonia Hill Church and enjoy spending time with their family and friends. Outside of work, Ciara enjoys reading, painting, and spending time outdoors.