Question 1

What does Howard Financial Services do?

Accepted Answer

Howard Financial Services is an independent financial planning practice in the Des Moines, Iowa metro. We help individuals and families with retirement planning, investment management, insurance and protection, and comprehensive financial planning — explained in plain English.

Question 2

Who is Aaron Howard?

Accepted Answer

Aaron Howard is the founder. He has more than 18 years in financial services and insurance — at MassMutual, MetLife, Edward Jones, Wells Fargo, and Farmers — and is a U.S. Army veteran of the 101st Airborne and a Simpson College graduate. He works independently from Urbandale, Iowa.

Question 3

What areas do you serve?

Accepted Answer

We serve the greater Des Moines, Iowa metro — including Urbandale, West Des Moines, Ankeny, Waukee, Clive, and Johnston — and clients across Iowa. Meetings can be in person or by phone and video.

Question 4

What does it cost to talk to you?

Accepted Answer

The first conversation is free. It's a no-pressure, no-obligation 30-minute talk to understand your situation and see whether we're a fit. Call (515) 228-6580 or request a time online.

Question 5

Are you independent, or tied to one company?

Accepted Answer

Independent. We aren't tied to a single company or product line, so the recommendations are based on what's right for you — not on quotas or commissions to hit.

Question 6

Is this the same as Howard Insurance Agency?

Accepted Answer

Howard Financial Services is a separate financial-planning practice founded by Aaron Howard, distinct from his Howard Insurance Agency. This site is dedicated to financial planning, investing, retirement, and protection.

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