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Financial strategies that adapt to your evolving life

Financial strategies that adapt to your evolving life

The right financial guidance can do more than help you achieve the goals you have today. It can open up a world of possibilities and guide you toward your most fulfilling future.

Our Services

Whether you run a business, have a family, or just need wealth management guidance for yourself, we can provide financial strategies that can adapt to your changing needs and the evolving life you live.

Financial Planning<sup>1</sup>

Financial Planning1

Asset Management

Asset Management

Estate Planning

Estate Planning

Retirement Planning

Retirement Planning

Why work with a financial professional

We understand that financial guidance is about more than just money. It’s about appreciating who you are and what you want in life. Then working with you to design a comprehensive, personalized financial strategy that fits your goals today and your vision of tomorrow. It’s about helping you build a fulfilling future, your way.

Client Centered

We are here for you

  • To understand your situation – The most important work we do is getting to know who you are.
  • To respect your assets – We listen, learn, and build on your existing assets – respecting the choices you’ve already made.
Client Centered

We work alongside you

  • To educate you on your options – When you have questions, we’ll be ready with answers and the options to help you achieve your goals and objectives.
  • To provide clear recommendations and financial strategies – With insight and clarity, we guide you as you make some of your own life’s most important decisions.
Client Centered

We evolve with you

  • To track your progress – We help you understand financial performance and, more specifically, progress toward the goals you’ve communicated to us.
  • To stay in touch – With products and services designed for you at every stage of life, we help you secure your well-being, so you can live the life that’s most meaningful to you.

Choosing the right financial professional for your wealth management needs

We understand how difficult it can be to plan for the future. That’s why you and your family will never feel like you are walking this path alone. Instead, we want to work with you, in a true collaboration, so your vision is combined with our experience in helping people systematically reach their goals.

The right financial strategy can make all the difference

We are a full-service wealth management firm committed to helping people pursue their financial goals. [We/I] offer a wide range of financial products and services to individuals and business owners and are dedicated to helping you identify your goals and make sound decisions to help you successfully reach them.

John F. Howells, CLU, ChFC, CFP®

Financial Professional

(760) 941-1200

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 personalized advice as their needs change.

John works closely with clients to create financial strategies with the help of our Wealth Management system designed to help them meet their particular financial goals. 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 strategies, 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 PLANNER™ professional certification. He spends thousands of dollars and several weeks each year on continuing education to stay current in a constantly changing environment. 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 in Vista, California and has six children and three grandchildren.

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

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

CA Insurance Lic. # 0578916

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.

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