With over 30 years of industry experience, I provide analysis, recommendations and implementation on a wide range of financial issues involving investments, retirement planning, risk management, and estate planning.As an Investment Advisor Representative (IAR), I assist individuals seeking professional portfolio management services which are fee based. This is a multi-step process. To start, I assist in identifying investment goals, risk tolerance, liquidity needs, time horizons, and other relevant factors through a fact finding process. Using the results, I assist in the selection of an appropriate portfolio model and manager. After the managed portfolio is established, I meet with clients periodically to review performance and consider changes if their situation dictates.Registered Representative and Investment Advisor Representative of LifeMark Securities Corp.Branch office 17199 N. Laurel Park Dr. Suite 210, Livonia MI 48152 Phone (734) 542-7360 Member FINRA/SIPCHoward Financial Services is not affiliated with LifeMark Securities Corp.