HOWARD FINANCIAL

Overview

Howard Financial is an independent Registered Investment Adviser organized as a corporation and owned by an individual. The firm’s client focus is individual and family households and it operates as a capital allocator, combining fee-based planning with portfolio management for individuals and small businesses. Its service mix includes financial planning, selection of other advisers, pension consulting services, and educational seminars or workshops. Howard Financial reports a mix of fee arrangements — percentage of AUM, hourly charges, fixed fees and other fee types — which supports working with clients across different wealth and engagement profiles. Filings show the firm operates largely on a nondiscretionary basis; the entirety of reported assets are classified as nondiscretionary. Howard Financial is not positioned as an active ESG investor and is not registered as a multistate adviser. An affiliation with an insurance company appears in its industry affiliations, which aligns with the firm’s use of insurance products in client portfolios.

Assets & Accounts

Investments & Alternatives

Location & Offices