About the firm
Bill Howard
A practice built one conversation at a time, in the community where he lives and works.
Bill Howard founded Howard Financial LLC to do financial planning the way he thought it should be done: independently, without product quotas, and at a pace that lets people ask every question they have.
His clients are mostly pre-retirees and retirees around Lake Norman — people who have saved carefully and want a second set of eyes before making decisions that are hard to reverse. Much of the work is straightforward: getting the income plan right, keeping taxes reasonable, and making sure the paperwork matches the intention.
Bill lives in the Lake Norman area and stays involved in the local community. He still answers his own phone, and most new clients come from someone he already works with.
“My job is to make the next decision clear. That is it.”
Bill Howard, Howard Financial LLC
What guides the practice
Independence
No proprietary products to push and no sales contests. Recommendations start and end with your situation.
Plain language
If a recommendation cannot be explained in a sentence or two, it probably is not the right recommendation.
Longevity
We plan for decades, not quarters. Most client relationships here are measured in years.
Have a question? Just call.
No forms to fill out first, no obligation. A short conversation usually tells us both whether we are a good fit.
Call (704) 664-6772