After graduating from Miami University, Howard began his professional career as a CPA. After 7 years in both public and corporate accounting, Howard was recruited into financial consulting with Cigna Financial Advisors. While this division of Cigna was later bought by Lincoln Financial Group, Howard remained with the company for 18 years. During that time, Howard wore many hats; he acted as Compliance Manager, Sales Manager and Life Insurance Specialist. He also trained other advisors in estate planning and life insurance utilization, design and implementation. Howard’s passion for life insurance and belief that it is the single most powerful planning instrument positions him perfectly to assist you in identifying, locating and helping you present solutions for your clients. Family is everything to Howard, and he enjoys soccer, weight training, music and reading.