Market Watch

May 27, 2012 @ 10:03 AM

Dow Jones Industrials 12,454.83- 74.92
Nasdaq Composite 2,837.53- 1.85
S&P 500 1,317.82- 2.86
S&P Mid-Cap 400 934.56- 1.52
10 Year Treasury Note 1.75- 0.01
Wilshire 5000 13,783.51- 23.74

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John F. Howells, CLU, ChFC, CFP

"An Unequivocal Committment to Excellence"

 

  

John F. Howells, CLU, ChFC, CFP

 

As a Certified Financial Planner Professional, I am dedicated to helping my clients build secure financial futures. To do it right takes commitment and planning and the services of a capable financial professional.

 

The Harvard Business School studied their MBA graduates of the class of 1979 in relation to where they were 10 years following graduation.  Less than 3% had written goals and plans, but those that did, had an average income ten times greater than those with no plan. (What They Don't Teach You in Harvard Business School, Mark McCormack, Bantum Books, 1984)

 

For a review, analysis or quote in any areas below please click on the button and we will promptly respond to your request:

 

          

      

 I have the resources and knowledge to help you develop and implement a sound financial strategy.

 

My job is to assist you in mapping out your financial goals and to select the appropriate products to help you work toward your objectives. Through AXA Advisor, LLC and its affiliates, I can offer a broad range of financial products and services.

 

Thank you for visiting my Web site! Stay a while and browse its many features!

 

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

 

 

Newsletters

Retirement Plans for Small Businesses

With standard 401(k) plans, the amount a company's owners can contribute to their own retirement account is often restricted by how much other employees contribute to the plan. With the safe harbor option, owners may be able to make larger contributions for themselves in exchange for making tax-deductible contributions or "matches" for employees.

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

Where There's a Will, There's a Way

Only 35% of Americans have a will, yet it's a relatively simple legal document that every adult should have, regardless of wealth or age. Dying without a will can lead to unwanted outcomes and potential problems for heirs. This article discusses the importance of a will and other estate conservation documents.

Lessons from a Perilous Year

In retrospect, 2011 was a formidable year for catastrophes. Small businesses can be hit hard when extreme weather or a natural disaster causes damage or forces a temporary closure. This article considers the importance of adequate insurance protection and ways to help reduce uninsured losses.

More Newsletters →

Calculators

Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Life Insurance (AXA version)

How Much Money Will Your Loved Ones Need When You Die?

More Calculators →

Contact Info

Phone: (760) 941-1200

john@johnhowells.com

Local Office | Branch Office


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