Lance Howard
Advisor at Howard Financial
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Howard Financial
Location
Bakersfield, CA 93309
Credentials
Series 65
Industry experience
16 years
About
Lance Howard is the sole advisor at Howard Financial with 16 years of experience in financial advisory and over 30 years in the insurance industry. He holds a Series 65 designation and has operated Howard Financial & Wealth Management, Inc. since 2010. In addition to his advisory role, he serves as president of Lance Howard Insurance Services, Inc., where he dedicates more than half of his time. Howard Financial & Wealth Management serves individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, and business entities with financial planning, investment advisory services, and portfolio oversight. The firm primarily provides non-discretionary advice, partnering with third-party managers and offering a range of planning and consulting services.
Client services
Based on Howard Financial
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Educational seminars or workshops
Expertise
Based on Howard Financial
Real estate investing
Cash flow / budgeting
Social Security optimization
Fee options
Financial planning fees: Level II $500 planning fee + $125 annual fee; Level III $1,000 planning fee + $250 annual fee; Level IV $2,000 planning fee + $500 annual fee; Level V fee up to $2,000 upon request.
Not applicable+: Not applicable, fees are fixed or negotiable fixed fees for financial planning and consulting Not applicable+: 1% annual fee on cumulative loans issued by Ignite Funding, LLC (Alternative Investment Asset Management), negotiable All assets+: Strategic Portfolios: 2.00% annual fee total (1.00% to GI, 1.00% to HFWM) All assets+: Tactical Portfolios: 1.80% annual fee total (0.80% to GI, 1.00% to HFWM) All assets+: Allocation & Defined Outcome Portfolios: 1.70% annual fee total (0.70% to GI, 1.00% to HFWM) All assets+: Preservation Portfolios: 1.00% annual fee total (0.40% to GI, 0.60% to HFWM) All assets+: Private Wealth Portfolios: 1.50% annual fee total (0.50% to GI, 1.00% to HFWM) Client Directed Accounts+: Flat $300 annual fee to GI, no fee to HFWM
Account minimum: $10,000 Minimum fee: Financial Planning Annual Fees: $125.00 to $500.00 depending on plan level Fee-only: Financial planning fixed fees ranging from $500 to $2,000 depending on plan level; alternative asset management at 1% annual fee; third party manager fees as noted above; no commissions charged by HFWM.
Location
5401 Business Park S., #112
Bakersfield, CA 93309
Most active in
Lance H has reported serving >5 clients in these states in the last 12 months.
California · Texas
Work history
Howard Financial & Wealth Management, Inc.
2010 - Present (16 years)
Lance Howard Insurance Services, Inc.
1995 - Present (31 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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