Howard Financial

The firm provides fee‑based financial planning, consulting and portfolio advisory services to individuals, high‑net‑worth clients, pension and profit‑sharing plans, trusts, estates, charitable organizations and business entities. It serves a relatively small client base and reports about $30.07 million in assets under management, the vast majority held on a non‑discretionary basis.

The firm follows a client‑approved, non‑discretionary approach: it documents goals in written plans and investment policy statements, applies fundamental, technical and cyclical analysis in forming recommendations, and obtains client approval before executing transactions. It also uses third‑party money managers, offers multi‑tier planning services (including secure document vaulting and periodic reviews), and advises qualified clients on collateralized real‑estate first‑trust‑deed investments.

Noteworthy distinctions include an affiliated insurance business operated by the firm’s principal, which the brochure discloses as a potential conflict when insurance products are recommended, and a focus on pension consulting and public educational seminars and workshops offered at no charge. The firm’s referral and incentive arrangements with third‑party managers and its concentration of non‑discretionary trust‑deed assets set it apart from many solo independent RIAs and are disclosed in the brochure.