Howard Financial Services · Urbandale, Iowa
The right plan should feel like the lights coming on.
Eighteen years guiding people through retirement, investing, and protection — all in plain English, with no pressure.
Independent advice from a Des Moines advisor who takes the time to understand your story before he says a word about your money.
Who you’re talking to
Experience you can name.
Real, specific, and local — no logos, no borrowed testimonials.
18+ years
in financial services
U.S. Army
veteran — 101st Airborne
Independent
& unbiased
Des Moines
metro
“We don’t believe in one-size-fits-all advice. Every plan is built around your life, your goals, and your timeline.”
What we do
Four areas, one plan.
Retirement, investing, protection, and planning — most people start with one question, then realize the rest connects.
Why Howard
Why clients choose Howard.
Independent, objective, and accountable to one thing only — how your money is doing. No quotas. No pressure. Just honest advice from someone who takes the time to understand your story.
Veteran-owned · Independent
- 01
Independent & unbiased
Not tied to any one company or product. The recommendation is whatever is actually right for you.
- 02
A relationship, not a transaction
Your advisor knows your name, your family, and your goals — and is the same person next year.
- 03
Clarity at every step
Plain English, never jargon. You'll always know exactly where you stand, and why.
- 04
Proactive, not reactive
We don't wait for you to call. We watch the plan and reach out when your life or the market calls for a conversation.
How we work
A first step that costs you nothing but an hour.
No commitment to begin. Most people find that one honest conversation already makes things clearer.
We talk
A thirty-minute conversation. You tell us where you are and what you’re working toward — we listen, and ask good questions. No obligation, no sales pitch.
We build the plan
We map your full picture — income, investments, protection, taxes — and lay out clear options in plain English. You see exactly what we’d recommend, and why.
We stay with it
A plan isn’t a one-time document. We monitor it, adjust as your life changes, and reach out when something calls for a conversation.
The advisor
Eighteen years. Six firms. One independent practice.
I’m Aaron Howard. I spent eighteen years inside MassMutual, MetLife, Edward Jones, and Wells Fargo — and learned how this business actually works, and where it falls short for the client.
I served in the 101st Airborne. I bring that same standard here: show up, tell the truth, do the work.
Howard Financial Services is independent on purpose — no quotas, no house product, just the plan that’s actually right for you.
Let’s talk
A thirty-minute conversation could change how you see your future.
No pressure. No obligation. Just clarity.
Bring your questions. You’ll leave clearer on where you stand — whether or not we work together.
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