A financial plan should grow with you. We work with clients to build comprehensive strategies that address the full picture, not just account balances.

• Cash flow analysis and retirement budget projections

• Tax-efficient strategies, coordinated with your CPA

• Goal setting and prioritization

• Insurance and risk management review

Financial planning services are provided by Richard Howell in his capacity as a registered representative and/or investment adviser representative of Cetera Investors.

Retirement planning is the foundation of our practice. We bring specialized training to the decisions that matter most when a paycheck stops.

• When to retire, and how to know you are ready

• Building sustainable retirement income from multiple sources

• Social Security filing strategies

• Coordinating pensions, investments, and annuities

• Planning for healthcare and long-term care costs

A retirement plan is not complete without a plan for your legacy. We help clients connect estate planning with their broader financial strategy.

• Beneficiary designation review

• Account titling and ownership considerations

• Trust concepts, explored alongside an attorney

• Charitable giving strategies

We do not provide legal advice or draft legal documents. Clients should consult a qualified estate planning attorney.

Retirement investing is about protecting and distributing assets wisely, not just growing them.

• Portfolios built around your income needs and time horizon

• Diversification appropriate for your stage of life

• Regular reviews tied to your financial plan

• Full transparency on fees

Investing involves risk, including possible loss of principal. Past performance is not a guarantee of future results.

The right coverage protects income, assets, and a surviving spouse. We help clients evaluate what fits their situation.

• Life insurance review

• Disability income insurance

• Long-term care insurance and hybrid options

• Coverage review for existing policies

Insurance products offered through licensed agents. Richard Howell is licensed in CT, FL, LA, ME, MA, MT, NH, NY, OH and SC. Not all products available in all states.

Annuities can provide predictable retirement income that a client cannot outlive. We help clients understand if one fits their plan.

• Fixed, variable, and fixed-indexed options

• When an annuity makes sense, and when it doesn't

• Coordinating annuity income with Social Security

• Fees, surrender periods, and contract terms to watch for

Annuities are long-term products for retirement purposes. Withdrawals prior to age 59½ may incur a 10% IRS penalty. Surrender charges may apply. Guarantees are backed by the issuing insurance company. Variable annuities involve investment risk, including possible loss of principal.