We understand that every client's situation is unique and one size does not fit all when it comes to wealth management. Therefore, we have tailored the services we offer accordingly. A majority of our clients utilize our financial planning and investment management services, although we provide the flexibility to advise in either capacity.

New Client Questionnaire

financial planning

Howard Financial Services, Ltd. adheres to a financial planning process which touches all major aspects of personal finance.

services include:

  • Cash flow and net-worth statements
  • Tax planning
  • Retirement planning
  • Education funding
  • Debt negotiations
  • Budget planning
  • Risk management
  • Insurance evaluation and needs analysis
  • Employment contract consulting
  • Fringe Benefits Consulting
  • Equity based compensation planning, i.e. stock options and restricted stock
  • Estate planning and wealth transfer
  • Will and trust consultation and review
  • Family meetings
  • Business succession and/or transition planning
  • Generation skipping and leveraged transfers
  • Estate and trust administration
  • Charitable planning
  • Buy-sell agreements
  • ESOPs
  • Entity/Organizational structuring and planning
  • Merger/Acquisition consulting
  • Attorney and other professional referrals

investment management

Howard Financial Services, Ltd. follows an investment management process characterized by customized portfolios, a focus on absolute returns, creativity, thoughtful research and client education. Your risk profile, liquidity needs, income requirements and tax situation are a few of the variables taken into consideration when designing your portfolio. We strive to structure portfolios in such a way as to execute your goals within the context of risk minimization. Our focus on absolute returns versus relative returns leads to the inclusion of non-traditional investments as key portfolio components. We feel it important to educate and provide you with as much information as desired to understand our process and gain comfort with your investments.

services include:

  • Development of personal Investment Policy Statement
  • Active portfolio management
  • Alternative investments
  • Quarterly performance reporting
  • Concentrated equity planning and risk management techniques
  • Tax reporting