Advisor at Modern Wealth Management, LLC
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Firm
Modern Wealth Management, LLC
Location
Rochester, NY 14604
Credentials
CFP®, Series 66
Industry experience
11 years
Stephen Howles is a CFP®-credentialed financial advisor with 11 years of industry experience. He is currently an Executive Financial Advisor at Modern Wealth Management, LLC and has worked at firms including LPL Financial and Beltz, Ianni & Associates. Outside of his advisory role, he is a partner in BIA Consulting, LLC, a business entity unrelated to investment activities. Modern Wealth Management, LLC provides investment advisory and integrated planning services to a diverse client base, including individuals, trusts, pension plans, charitable organizations, and corporations. The firm utilizes a centralized portfolio management model supported by an Investment Committee and offers a range of services such as discretionary investment management, modular financial planning, tax and estate-planning assistance, and insurance solutions through affiliated entities.
Based on Modern Wealth Management, LLC
Based on Modern Wealth Management, LLC
Estate plan funding services fees range from $500 to $15,000; some planning services may be flat fees
$0 - $499,999: 1.50% $500,000 - $999,999: 1.25% $1,000,000 - $2,999,999: 1.00% $3,000,000 - $4,999,999: 0.75% $5,000,000 - $9,999,999: 0.65% $10,000,000+: 0.55%
Account minimum: $250,000 Fee-only: Financial planning fees range from $2,500 to $10,000 for standalone plans; modular planning fees offered; tax planning fees negotiated separately; estate planning fees may be flat fees or hourly with third parties
One Bausch & Lomb Place, Suite 900
Rochester, NY 14604
New York · Texas
Mutual Securities, Inc.
2024 - Present (2 years)
Modern Wealth Management, LLC
2024 - Present (2 years)
LPL Financial
2018 - 2024 (6 years)
Beltz, Ianni & Associates
2014 - 2024 (10 years)
Cadaret, Grant & Co., Inc.
2014 - 2018 (4 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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