• Home
  • Company
    • Our Team
    • Meet Lance
    • Our Partners
    • Giving Back
  • Services
    • Investments
    • Retirement Strategy & Risk
    • Legacy Planning
    • Income planning
    • Generational Vault
    • Asset Maximixation
    • Asset Allocation & Risk
    • First Trust Deeds
  • Radio
  • Video Library
  • Get Your Risk Score
  • Contact

Howard Financial and Insurance

Helping You Prepare for financial independence

Providing Financially and ethically sound retirement income

Helping You Prepare for financial independence

Helping You Prepare for financial independence

  • Investments
  • Retirement Strategy & Risk
  • Legacy Planning
  • Income Plannning
  • Generational Vault
  • Asset Maximization
  • Asset Allocation & Risk
  • First Trust Deeds

At Howard Financial, we empower you to navigate today’s complex financial world. We customize a plan to fit your individual and family needs.


Howard Financial

Howard Financial is an independent Registered Investment Advisor serving Bakersfield, California and surrounding communities that provides financial planning and access to third party asset management.

LEARN MORE »

 

Our Mission

To provide the families we serve with innovative financial strategies, solutions, and planning that can result in financial clarity, security, and overall financial health. Making strong commitments to our clients and building life-long relationships are tenets of success at Howard Financial.

Our Process

Howard Financial provides investors custom tailored investment strategies to meet short and long-term needs. We provide full transparency in the form of separately managed accounts through our partnerships with third party money managers. Our goal at Howard Financial is to help our clients realize their financial dreams by offering creative solutions through an open and transparent process utilizing both financial and insurance* solutions to achieve financial independence. As a fiduciary, Howard Financial is legally obligated to put our client’s interests first. *Insurance offered through Howard Financial & Insurance Services, Inc. *Investment services offered through Howard Financial & Wealth Management, Inc.

Asset Maximization

Our main objective is to assist clients in navigating today's complex marketplace to accomplish their investment aspirations and goals. The recommendations you'll receive are custom-tailored to you, factoring in your risk tolerance, time frame, and income specifications....

Learn More

Income Planning

Income planning for retirement can be a daunting task for many retirees because there is a lot to learn. At Howard Financial, we are here to help you navigate throughout each of the three income planning phases – accumulation, distribution, and preservation or transfer – and to help you make sense of the most tax advantaged vehicles to accomplish your retirement income goals....

Learn More

Legacy Planning

Legacy planning is one key element of any successful retirement plan and helps ensure that your legacy carries on to help your loved ones, and that your final wishes are respected. We can help you plan your legacy in a variety of ways based on whether you’re looking to preserve assets for future use, or transfer your wealth to beneficiaries....

Learn More
Howard Financial
5401 Business Park South, Suite 112
Bakersfield, CA 93309
P: (661) 322.5192
E: lh@lancehowardfinancial.com
Navigate
  • Home
  • Company
    • Our Team
    • Meet Lance
    • Our Partners
    • Giving Back
  • Services
    • Investments
    • Retirement Strategy & Risk
    • Legacy Planning
    • Income planning
    • Generational Vault
    • Asset Maximixation
    • Asset Allocation & Risk
    • First Trust Deeds
  • Radio
  • Video Library
  • Get Your Risk Score
  • Contact
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Howard Financial & Wealth Management, Inc. and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Howard Financial & Wealth Management, Inc. a Registered Investment Advisor in the State of California. Insurance products and services are offered through Howard Financial and Insurance Services, Inc., an affiliated company. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of California or where otherwise legally permitted. Howard Financial & Wealth Management, Inc. and Howard Financial and Insurance Services, Inc. are not affiliated with or endorsed by the Social Security Administration or any government agency, and are not engaged in the practice of law. Content should not be viewed as an offer to buy or sell any of the securities mentioned or as legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation.