Paul Howard is a Registered Investment Advisor and graduated from California State University, Sacramento where he studied Economics and Environmental Science. He completed the Personal Financial Planning program at the University of California, Davis and worked for EF Hutton in New York City and Sacramento as a Financial Advisor, licensed in general securities, commodities, annuities, insurance; and specialized in tax-advantaged, trust, and retirement investments. He left private sector finance to work for state and local government managing employee pension, compensation, and benefits programs. He later returned to UC, Davis to teach in the Financial Planning program before retiring at age 55.
After his wife retired from her teaching career they traveled extensively, and across the country, Paul always noticed the large traditional Wall Street wealth management firms that mostly serve the uber wealthy; but the big surprise was the sheer number of retail investment outlets that cater to everyday, lower-dollar investors and charge the highest allowable sales commissions and never-ending account service fees. Paul decided he could offer a better alternative, so he founded a modestly priced, wealth management advisory dedicated to helping everyday individuals, families, small-businesses, trusts, and nonprofits seeking financial advice in southern New Mexico. After five years in Las Cruces, Paul and his wife decided to make Camas their new retirement home where he brings the same approach to PNW Prosperity & Wealth Management that he practiced in Las Cruces. He continues to serve his existing clients in southern New Mexico and he and his wife still maintain a home there.
"I am a fiduciary advisor and do not recommend or sell investments that have a sales charge, so I don’t receive commissions or fees from investment sales. As a fiduciary, I am legally bound to always act in the client’s best interest." Representatives of traditional wealth management firms are paid commissions from investment sales charges and are not usually designated fiduciaries. These advisors are not legally obligated to do what is in your best interest but must only meet the “suitability standard” based on your age, risk tolerance, and financial goals when recommending and selling investment products. In other words, they are free to sell you the highest-commission product even if there are comparable, less expensive alternatives available. "Not being paid through sales commissions allows me to always do what’s in your best interest and is what separates Red Hawk Prosperity Partners from other wealth management firms."
"As a boutique advisory service, I can provide trusted, reliable advice and guidance for a fraction of what is charged by others." How is this possible? Four decades of experience researching and vetting investment opportunities, low overhead costs, and having already achieved a comfortable level of prosperity are the honest answers.
"I believe it is important for clients and prospective clients to feel comfortable with whom they are trusting their money." Every Registered Investment Advisor has a unique, lifelong identification number that can be entered into a database to see registration status, client complaints, disciplinary actions, criminal history, and civil litigation, among other items. In the interest of transparency, our information and the government website is listed below.
Paul Howard - CRD# 1297171www.adviserinfo.sec.gov
