Why I Founded PNW Prosperity & Wealth Management
After my wife retired from teaching, we traveled the country. Everywhere we went, I saw the same pattern:
• Big‑name Wall Street firms catering only to the wealthy
• Strip‑mall investment shops claiming to serve everyday people while charging the highest allowable commissions and fees in the industry
It was clear that regular folks were being underserved—or worse, taken advantage of.
That realization stayed with me. After five years of retirement in the Southwest sun, we made Camas, WA our new home. I launched PNW Prosperity & Wealth Management to provide:
• Transparent pricing
• No‑pressure guidance
• High‑quality advice without the Wall Street gatekeeping
My mission is simple: bring trustworthy, affordable financial advice to the people who need it most.
The Fiduciary Standard: Why It Matters to You
As a fiduciary advisor in Vancouver and Camas, I am legally and ethically bound to act in your best interest at all times. This represents the highest level of care in the financial industry. Surprisingly, this is not the baseline for everyone. Most traditional wealth management firms operate under a suitability standard. This means their representatives only need to recommend products that are "good enough" for your age or goals—even if they carry high fees or are not the best option, and they are often pressured to sell these products to you.
Fee‑Only Structure: How It Protects You
• No High-Commission Products: I never recommend or sell investments with sales charges.
• Zero Kickbacks: I receive no commissions, hidden fees, or revenue-sharing from product providers.
• 100% Unbiased Advice: My only compensation comes directly from you, ensuring my guidance is completely aligned with your financial success.
Boutique Advice for a Fraction of the Cost
By maintaining low overhead and leveraging decades of experience, I provide high-level, dependable, and trusted retirement planning and investment advice for a fraction of what traditional firms charge. You get pressure-free, professional guidance from an advisor who has already achieved personal prosperity and is now focused solely on yours.
Advisor Verification
It is important to feel comfortable with whom you are trusting your money. Every Registered Investment Advisor has a lifelong identification number entered into a government database that shows registration status, client complaints, disciplinary actions, civil litigation, among other items. My ID and the government website are listed below, and I am proud of my complaint and disciplinary free career.
Paul Howard - CRD# 1297171adviserinfo.sec.govadviserinfo.sec.gov
