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Financial Planning for Your Actual Life

The Advisor I Wish I Had at 25

Tax-smart wealth planning for Millennials and Gen Z professionals who are earning well and ready to make it count.

Kevin Howard Headshot
Licensed Financial Planner
Tax-Smart Planning Focus
Serving Clients Nationwide
Sound Familiar?

The Problem

You’re earning good money. You’ve maxed out your 401(k), opened a Roth IRA and maybe a brokerage account, but you feel like you should be doing more. When you look at your full financial picture, something feels off.

You’re not sure if you’re making the right moves — it feels like you’re leaving money on the table.

The Solution

That’s where I come in.

I help high-earning professionals build tax-smart financial systems that actually fit their lives.

No jargon, no cookie-cutter plans. Through clear strategy, and plain-English explanations, we'll work together to develop a plan that evolves with you.

What We Work On

Financial Planning That Actually Makes Sense

Comprehensive Planning

Key goal projections, insurance reviews, estate planning, equity comp strategy, and a clear roadmap that evolves with your career, and your life.

Tax-Smart Strategy

Asset location, Roth conversions, tax-loss harvesting, income optimization — all coordinated so your money works harder and less of it goes to the IRS.

Investment Management

Diversified, tax-efficient portfolios with the ability to implement direct indexing, automatic rebalancing, and ongoing optimization aligned to your goals.

Getting Started

Getting Started Is Simple

01

Book a Discovery Call

An initial conversation to understand your situation, goals, and whether we’re a good fit.

02

Build Your Plan

I’ll create a comprehensive, personalized financial plan built around your tax situation, career trajectory, and goals.

03

Execute & Optimize

We implement together and meet regularly to refine, adjust, and keep your plan aligned as your life evolves.

Who I Serve

Built for People Like You

The Early-Career High Earner

You’re in your mid-20s or early 30s, earning $80K–$150K, and you know you should be doing more with your money. You’ve googled “Roth IRA vs. traditional” more times than you can count, and you want to take the next steps in planning for your future.

The Established Professional

Mid-30s to early 40s, household income $150K–$300K+. You have multiple accounts, maybe equity comp, and your tax situation has become complex enough that you need someone who considers how each variable affects the other.

The Business Owner

You’re running a business and your personal and business finances are intertwined. Entity structure, retirement plan options, tax strategy — you need someone who sees both sides.

The Equity Comp Navigator

RSUs, ISOs, stock options, ESPP — you have equity compensation and the tax implications of each decision feel overwhelming. You want a strategy, not more guesswork.

You do not rise to the level of your goals. You fall to the level of your systems.

— James Clear

Financial Clarity, Delivered

Monthly insights on tax strategy, wealth building, and systems to make your money actually work for you.

Ready to Build a Plan That Actually Fits Your Life?

Book a discovery call and let’s figure out what your next move should be.