Howard Wealth Planning

Financial Coaching & Planning

Real Financial Planning. Built for Where You Are Now.

Fee-based, no products, no minimums. Just an honest plan and someone in your corner.

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✦ Nearly 20 Years in Wealth Management✦JP Morgan & Merrill Lynch Alumni✦ChFC® & CFP® (in progress)✦ Fee-Based · No Products · No Commissions

The Problem

The financial industry wasn't built for you. Yet.

The wealth management world is designed for people who already have it figured out. But what about everyone building toward that? Young professionals. Growing families. People earning good incomes who still feel like they're one emergency away from setback.

You don't need someone to manage your money. You need someone to help you understand it, plan it, and build confidence in it. That's what Howard Wealth Planning exists to do.

Why Howard Wealth Planning

What Makes This Different

No products. No commissions.

We don't sell anything. Our only incentive is your progress.

No minimums. No AUM.

You don't need a six-figure portfolio before we can work together. You need a plan.

Nearly 20 years of institutional experience.

Decades inside the industry's most respected firms — now independent and built for you.

Your own client portal.

Every client gets a secure private space to access their action plan, track homework, store documents, and stay connected.

Who This Is For

This is for you if…

  • ✦You're earning a good income but have no idea where it's going
  • ✦You're carrying debt and want a real paydown plan — not just a budget
  • ✦You want to start investing but don't know where to begin
  • ✦You're planning for a big goal — a home, a family, a career change
  • ✦You've never had a financial advisor in your corner and you're ready for one

The Process

How It Works

01

Book a free 15-minute consultation

We'll talk about where you are and whether we're the right fit.

02

Share your financial picture

Before your first session, you'll tell us about your financial life so we come fully prepared.

03

Build your foundation

Together we create a real, personalized action plan and start building.

Your plan lives in one place — accessible anytime.

Every client gets a private portal with their action plan, document vault, task tracker, and session notes.

Client Love

Real People. Real Results.

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— Maria

Young Professional

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— Client Name

Growing Family

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First-Time Investor

Common Questions

Got Questions? We've Got Answers.

What does 'fee-based' actually mean?+
It means you pay us directly for our time and expertise — and that's it. We don't earn commissions by selling you products, and we don't manage your investments to collect a percentage fee. Our only incentive is your progress.
Do I need to have a lot of money to work with you?+
No. There are no asset minimums here. Whether you're just starting out or already earning well and ready to do more with it, Howard Wealth Planning is built for you. You need a plan — not a portfolio.
What's the difference between financial planning and financial coaching?+
Financial planning is strategic — we look at your full picture and create a roadmap. Financial coaching is accountability and education — it's how you actually follow through on that plan. We do both.
I'm embarrassed about where I am financially. Will you judge me?+
Never. We've seen it all, and shame has no place in this work. The only way to get to where you want to be is to be honest about where you are right now. That takes courage — and we respect it.
What happens after I book the free consultation?+
We'll have a 15-minute conversation to learn about your situation and see if we're a good fit. If we move forward, you'll complete a financial intake form so we come fully prepared to your first session with a real plan.
Can you help me even if I'm not in the same city?+
Yes. All sessions are conducted virtually, so it doesn't matter where you are. We work with clients across the country.

Ready to start building?

Your first consultation is free. No pressure, no pitch — just an honest conversation about where you are and where you want to be.

Book Your Free Consultation