ANDREW HOWARD CFP®, AIF®
Principal
Andrew literally has a perspective from the mountaintop as he currently resides and grew up in the mountain community bordering Silicon Valley. This relaxed orientation has served him well not only in taking a long-view of problem-solving but also in how easy it is to make connections with people and let them feel comfortable with his back-to-basics approach to financial planning and life in general.
As one of six kids, Andrew got his start in business through a true grit immersion into marketing and selling educational products as a means of putting himself through college. He learned early about how people make good and bad financial decisions. Andrew went on to complete his degree in Business Administration and Finance at Cal Poly, San Luis Obispo, and he’s also a CERTIFIED FINANCIAL PLANNER™ and an ACCREDITED INVESTMENT FIDUCIARY™.
With 19 years in personal financial advising, Andrew’s focus is on fundamentals, for his clients as well as the investments his family owns. With a practical perspective as a multi-unit rental housing owner, he embraces real estate as a valuable piece of the retirement income picture. He is invariably conscious of the intersection of investments, taxes and estate concerns.
Andrew’s best self is when he is working through challenges to find unique solutions to unique cases. Whether it’s a couple for whom he has helped determine if and when they can retire by using strategies to pay off debt and increase cash flow or a widow learning to take new responsibility for personal finances and eventually obtaining his counsel to transition to a retirement community, Andrew seeks to sustain long-term relationships with clients to build the discipline together for better wealth.
Andrew’s connection with people has also taken him around the world. Prior to starting his formal career, he spent seven months with his wife, Georgia, traveling to New Zealand, Australia, Southeast Asia, Africa and Europe. They still enjoy yearly travel, although the locales are a bit less exotic now with four small children. He also enjoys cycling, hiking with the family and board sports. In 2011, Scott joined him on a 450-mile bike tour across the state of Iowa known as the largest bike touring event in the world, and Andrew continues to participate regularly.