• Home
  • About
  • Find a Member
  • Ethics Center
  • Consumer Hub
  • Join Today
  • Contact
  • Have Questions? Call: (800) 282-1831

    Lance R. Howard

    President and Founder

    Download Profile Send Email



    Howard Financial

    5401 Business Park South Ste 112,
    Bakersfield, CA 93309


    (661) 322-5192

    (661) 322-3743

    Financial Advisor

    Investments, Retirement Income Strategies, Fixed Annuities, Life Insurance, Long Term Care, and Secure Online Storage of Documents and Financial Information using our Generational Vault

    Howard Financial

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

    Our mission is 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 & Wealth Management, Inc. 

    Howard Financial & Wealth Management, Inc. 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 & Wealth Management, Inc. 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 & Wealth Management, Inc. is legally obligated to put our client's interests first.

    *Insurance offered through Howard Financial & Insurance Services, Inc.

    Meet Lance

    Named one of the top five advisors nationwide, by Senior Market Advisor magazine in August of 2011, Lance has helped his clients and their families preserve assets, reduce taxes and get a better return on their money since 1991. Lance Howard is a financial advisor who believes that now, more than ever, it is vital to protect the downside when staying invested in the market. Lance emphasizes income planning using a comprehensive and coordinated approach as a key component to successful retirement planning.

    A native Californian, Lance graduated from CSUB, with a Bachelor of Science degree in Business Administration. He is a member of the Million Dollar Round Table, Top of the Table 2008, 2011, 2012 and 2015 and Court of the Table 2009, 2010, 2013 and 2014. He obtained his Series 65 license for Investment Advisor Representative in 2008. Lance belongs to the National Association of Insurance and Financial Advisors (NAIFA), California Association of Health Underwriters (CAHU), Kern Association of Health Underwriters (KAHU) and the National Ethics Bureau (NEB). In February of 2014, Lance was named one of America’s Financial Leaders by Forbes Magazine. In addition, he is a member of Ed Slott’s Master Elite IRA Advisory Group. Lance believes in the importance of being involved and giving back to his community.
    X logo
    Want to become a force for good in business?
    Then commit yourself to treating your customers right.
    Taking the National Ethics Association Business Integrity Pledge is a great first step.