About Us


John F. Howells, CLU, ChFC, CFP® Financial Professional

As a financial professional with more than 25 years of experience, John Howells creates value for clients by providing them with the professional knowledge and experience necessary to help them achieve their financial goals, offering ongoing service, individual attention and advice as their needs change.

John works closely with clients to create financial strategies designed to help them meet their particular financial needs. Using a combination of financial protection and asset accumulation products such as life insurance, annuities and investments, as well as business, estate* and retirement planning, he can help clients set a course for financial security for themselves, their families and their businesses.

Active in the industry, John is a member of the Society of Financial Services Professionals. He has also earned membership in the industry’s prestigious Million Dollar Round Table (MDRT), recognized as the standard of excellence in the financial services industry.

John graduated from Excelsior College with a Bachelor’s degree in business. Committed to professional education as a means to better serve his clients, John has earned the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) professional designations, as well as his Master of Science in Financial Services (MSFS) from The American College. He has also earned the CERTIFIED FINANCIAL PLANNERÔ (CFPÒ) professional certification. John is also a proponent of education for his clients, and conducts regular public seminars on personal finance as well as Continuing Education courses for CPAs through Cal State San Marcos, Mira Costa College and Palomar College in the Northern San Diego area.

Active in his community, John has served on city commissions for the City of Vista for over a decade. He is a volunteer leader for the Boy Scouts of America, he is an active member of his church and loves the outdoors. John lives with his wife and six children in Vista, California.

*Funded through the use of life insurance and other financial products.

AXA Advisors and its representatives do not offer tax and/or legal advice.


CFP®; CERTIFIED FINANCIAL PLANNER™; AND CFP (with flame logo)® are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

California Insurance License #: 0578916

The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional's (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. In a collaboration between the Wharton School and AXA Advisors' affiliate, AXA Equitable Life Insurance Company (NY, NY), coursework for the certificate was developed exclusively for AXA Advisors FPs, and the title may be used only by FPs who have completed the required coursework and maintain the title through ongoing continuing education requirements. To verify that an FP has earned and holds the title in good standing, contact AXA Equitable atretirement@axa-equitable.com. Complaints about an AXA Advisors FP should be directed to customer.relations@axa-equitable.com.

Securities offered through AXA Advisors, LLC (212-314-4600), member FINRA/SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products offered through AXA Network, LLC and its insurance agency subsidiaries. AXA Network, LLC does business in California as AXA Network Insurance Agency of California, LLC and, in Utah, AXA Network Insurance Agency of Utah, LLC. AXA Advisors and its affiliates do not provide tax or legal advice. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer.

AXA Equitable Holdings, Inc. is a publicly traded corporation, and it and its subsidiaries are currently using trademarks including the "AXA" name, AXA logo and associated trademarks of AXA SA under license.

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