Howard Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$27,900,000
Total clients
97
5% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
97
Average account size
$287,629
About
Howard Financial & Wealth Management, Inc. is an independent, single‑advisor registered investment adviser serving individuals, trusts, pension and profit‑sharing plans and other entities. The firm provides financial planning across five service levels and portfolio management, reporting $27.9 million in assets under management that are primarily held on a non‑discretionary basis.
Advisory services include negotiated fixed‑fee financial plans, periodic reviews and client‑directed investment management in which the firm obtains client approval before executing transactions. The firm also engages third‑party money managers through referral relationships and offers alternative investments, notably collateralized real‑estate first‑trust‑deed opportunities sourced with mortgage brokers and non‑depository lenders, with ongoing client consent and oversight.
Distinctive features include an affiliated insurance business that offers insurance products alongside advisory services, disclosed as a potential conflict of interest, and a regular program of educational seminars and workshops open to the public. The combination of substantial non‑discretionary AUM, pension‑plan clients, and specialized offerings such as secure document vaulting and trust‑deed asset management is uncommon for a solo independent adviser.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Educational seminars or workshops
Expertise
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.
Main office location
Howard Financial
5401 Business Park S., #112
Bakersfield CA 93309, United States
Number of offices
1
Most active in
Howard Financial has reported serving >5 clients in these states in the last 12 months.
California · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
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.
Forms ADV
Quick links
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