Howard Financial, founded in 1995 and based in Bakersfield, California, is an independent Registered Investment Advisor offering comprehensive financial planning and investment management services. Led by Lance Howard, a seasoned advisor with over two decades of experience, the firm specializes in retirement income planning, legacy planning, and risk management, tailoring strategies to meet each client’s unique needs and goals. Howard Financial emphasizes transparency and fiduciary responsibility, partnering with third-party asset managers like Gradient Investments to provide customized investment solutions. Clients benefit from tools such as the Generational Vault, a secure digital platform for organizing and accessing vital financial documents. Through a commitment to personalized service and ethical guidance, Howard Financial aims to empower individuals and families to achieve financial clarity and long-term security.