Howard Financial

Howard Financial & Wealth Management is a single-advisor, fee-based independent RIA that provides financial planning and portfolio management to individuals, high‑net‑worth clients, trusts, estates, charitable organizations, corporations and pension/profit‑sharing plans. The firm offers multi‑tiered financial planning services, uses third‑party money managers for discretionary mandates, and also advises qualified clients on alternative collateralized real estate investments (first trust deed loans).

The firm operates primarily on a non‑discretionary basis, documenting client goals in investment policy statements and obtaining prior client approval before executing transactions; financial plans are delivered in structured levels with periodic reviews and document‑organization or secure‑vaulting options. For its real‑estate related investments the firm conducts a discovery process and works with licensed mortgage brokers and non‑depository lenders to identify opportunities, while ongoing management remains subject to client authorization.

Noteworthy aspects relative to peers include the president’s affiliated insurance business and the firm’s disclosure of that potential conflict of interest, the receipt of referral fees and participation in incentive arrangements with certain third‑party managers, and a materially large share of assets managed non‑discretely alongside an uncommon focus on pension consulting. The firm also runs educational seminars and workshops for the public at no charge, a service offering that is less common among similarly sized independent advisers.