Who We Serve

Howard and his wife Cheryle are the proud parents of five lovely daughters. Howard and Cherlye understand the many challenges of raising a family and working to maintain a comfortable lifestyle.  Howard's experience as a father and as a successful businessman -- combined with his extensive financial knowledge and education -- are a solid foundation for understanding his clients' needs and goals.  

Howard works with single, divorced and widowed persons, married couples, families and businesses to develop strategies for growth, income, capital preservation or tax minimization.  By utilizing an appropriate mix of insurance, liquid and illiquid investments and other assets, Howard is able to tailor custom proposals for each client based on their unique risk tolerance and return expectations.  

Whether the goal is for college or retirement planning, Howard can provide solutions that are sensible and affordable.