Tom has been part of the financial services industry since 2000.  He's earned his Chartered Financial Counsultant (ChFC®), Retirement Income Certified Professional (RICP®) and Chartered Life Underwriter (CLU®) from the American College.

The Chartered Financial Consultant (ChFC®) designation focuses on the comprehensive financial planning process as an organized way to collect and analyze information on a client's total financial situation; to identify and establish specific financial goals; and to formulate, implement and monitor a comprehensive plan to achieve thos goals.  The ChFC® program provides financial servies professionals with in-depth knowledge of the skills needed ot perform conprehensive financial planning for their clients.

The Chartered LIfe Undewriter (CLU®) designation has long been recognized as the fundamental and foremost educational credential for life insurance professionals.  Since 1927, more than 94,000 individuals have earned their CLU®, helping them build a successful life insurance practice by providing clients with knowledgeable and ethical advice.  For finanical representative, field manament, homeoffice personnel, and others involved in providing life insurance products to the public, the CLU® designation symbolizes continuing growth and commitment to professionalism.

The Retirement Income Certified Professional (RICP®) is a professional designation for experienced financial professionals who wish to become experts in retirement income planning. These professionals helps retirees and near-retirees develop a plan for managing and using the assets they have accumulated for retirement to live within a realistic budget and not run out of money prematurely.


Tom Howell

Tom Howell, ChFC®, RICP®, CLU®, CLTC®

Wealth Management Advisor


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