For over 20 years, Howard has worked with clients on developing retirement strategies to help them achieve their life goals, while helping them presve and grow their assets through risk management.  Howard believes in a client first approach, and recognizes trust and honesty are two of the most important values of an advisor/client relationship.  He understands each client has their own financial background and therefore catering to each client’s separate needs, not one size fits all. 

After graduating from Pennsylvania State University in 1994, with a Bachelor’s Degree in Quantitative Business Analysis, Howard started his career at Merrill Lynch in the retirement benefits division, and then as an Institutional Retirement Plan Conversion Specialist at The Vanguard Group.  In 1998 Howard joined a predecessor firm of Wells Fargo Advisors until joining Morris Capital Management Group at Raymond James.  Shortly thereafter, Morris Capital Management Group partnered with Steward Partners of Raymond James.

Away from the office, Howard enjoys spending plenty of time with his 2 teenage children, Tyler and Emily, along with their various sports activities.  He also enjoys bicycling and snowboarding in his free time.

Sandy is a Partner, Vice President, and Senior Client Administrative Manager with Steward Partners.

With over 21 years of experience in the Financial Services Industry, Sandy joined Steward Partners in 2019. She has an authenticity that resonates with people. Her true passion and dedication are to the clients and she strives to provide them with exceptional client service. She interfaces with clients daily and is responsible for managing administrative, operational, and service-related areas.

Sandy began her career in 1998 as a Client Service Associate at Prudential Securities and then shortly after worked at UBS Financial Services in the same role. She spent 13 years in the Wells Fargo Advisors Private Client Group and Independent Business Channels working with two separate wealth management teams as a Senior Client Service Associate and a Client Relationship Manager. 

Sandy was a member of the Wells Fargo Advisors’ Client Associate Advisory Board (CAAB), a board of other nominated peers that collaborates to improve the client associate role. She also attended The Barron’s Advisory Teams Summit in Las Vegas, a First-Class Conference that brings together elite advisors and their teams representing the leading wealth management firms in the industry. 

A long-time resident of Havertown, PA, Sandy enjoys spending time with her family; most especially her beloved granddaughter, Noelle.