Our Team

John F. Howells, CLU, ChFC, CFP®

Financial Professional

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.

John F. Howells, CFP®, ChFC®, CLU®
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)

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 Equitable Advisors and its affiliates, I can offer a broad range of financial products and services.

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The opinions voiced in these materials are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s)may be appropriate for you, consult your financial professional prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.

*Equitable Advisors, LLC offers products and services of Linsco/Private Ledger (LPL), a broker/dealer and registered investment advisor. Equitable Advisors, LLC, member FINRA/SIPC (Equitable Financial Advisors in MI & TN), serves as the introducing broker/dealer and LPL Financial, member FINRA/SIPC, serves as the clearing broker/dealer for brokerage accounts. Equitable Advisors, LLC serves as an investment advisor and LPL Financial serves as the principal sponsor, an investment advisor and the broker/dealer for the LPL investment advisory programs offered through Equitable Advisors' Financial Professionals. Equitable Advisors and its Financial Professionals are unaffiliated with LPL Financial. Additional investment advisory programs are offered through third-party program sponsors who are unaffiliated with Equitable Advisors and LPL Financial.