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Richard J. Howell ChFC® CLU® RICP®

Richard J. Howell ChFC® CLU® RICP®

Financial Advisor

651-682-0002

richard.howell@ceterainvestors.com

Office: (860) 282-4600

Since 1988, Richard has helped individuals and couples plan for a confident retirement. His work centers on retirement income planning, including Social Security strategy, sustainable withdrawal planning, and building income that lasts throughout retirement.

Richard holds the ChFC®, CLU®, and RICP® designations from The American College of Financial Services, credentials that reflect advanced training in comprehensive planning, insurance and risk management, and retirement income strategy. See what these designations mean.

Outside the office, Richard has a lifelong interest in history, which shapes how he thinks about planning: markets cycle, patterns repeat, and the best strategies are built to hold up over time, not just react to the moment.