Howard Financial works with a variety of clients. We believe everyone deserves professional, objective financial advice, and we don’t impose a minimum account size. Click on examples of the client types below to understand some of their unique financial issues.
Every day you help to shape society’s future. But who is helping to shape yours? Jerry Howard and Howard Financial have been assisting educators, teachers and administrators to plan and save for their retirement since 1955. We understand the state pension plans and social security options that help provide for a long and prosperous retirement. Howard Financial can also help you implement a 403(b)/TSA plan, to support the best possible retirement, as educators, you so richly deserve.
You wouldn’t put all of your investments into just one stock, would you? Small business owners have unique challenges and opportunities. You need a financial planner who understands that your primary investment is your business. Your financial plan should acknowledge that fact. We help business owners understand how to diversify* and help protect their assets to help achieve their financial goals.
*Diversification does not guarantee a profit or protect against a loss.
In today’s hectic world, our families can seem complicated, full of different personalities, histories and needs. Our advisors understand and can help families protect their loved ones, plan for education or the special needs of a child or parent. Let them develop a plan for your unique family.
Whether single, married, widowed or divorced; leading a career, a non-profit foundation, or a busy household, women all too often relinquish control of their personal wealth to others. Even if your assets are being well-managed, being under- or uninformed about the specifics of your financial plan can leave you with nagging doubts. The antidote to uncertainty is informed understanding. Our advisors make it their business to help women realize their financial well-being.
At a time of greatest grief you are asked to make long lasting and far-reaching decisions. These choices must add to your sense of control. Therefore, you need an experienced advisor who understands your needs, goals and resources.
Whether you are an individual, a couple or a family, you have experienced so much in your time. You know what you want from life. But for all of your accumulated knowledge, uncertainties remain. Do you have enough for your best retirement? How much is enough? What do you need in order to feel financially secure? Do you need to work longer, save more, spend less? Maybe you want to keep working in your career on a part-time basis. Your plan should allow for dreaming about a second career. Maybe you are really positioned to relax and enjoy the view. If you are part of a couple, are both partners’ visions for retirement in synch? Your plan must address the risks as well as whatever legacy plans and philanthropic goals you maintain.
At HFC, our advisors don’t just manage your money. They understand the questions in front of you and want to help you make the most of your wealth.
Born between the mid-60s and late-70s, Gen X is in, arguably, the most challenging phase of life trying to balance the costs of raising families, saving for their children’s college, saving for their own retirement and in some cases, caring for their aging parents. Our advisors can help you find some balance and get your financial goals back on track. Time can be your best friend or worst enemy – they can show you how to make the most of your accumulation years while caring for those you love.
Born between the early 80s and late 90s, Gen Y are in the early accumulation phase of their lives. These are the years focused on earning and advancement. During these years, it can be tempting to avoid a deep consideration of your financial future. However, these years are a critical window in achieving your long term success. You’ve got decades of working years ahead of you. Make them work for you.
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