Joyce Howell, CEP^TM,RFP^TM

• Certified Estate Planner ™
• Registered Financial Planner ™

Joyce is an Associate Wealth Manager and Certified Retirement Coach with Retirement Wealth and Tax Advisors (RWTA). She began her career immediately after graduating from High School, working for Sun Life Insurance Company of America. While at Sun Life, she attended the University of Baltimore achieving a B.A. in Business Administration with majors in Business Management and Economics.

Over the years, Ms. Howell was given the opportunity to experience many different roles at Sun Life, which eventually resulted in a chance to learn about investments in the Variable Annuity Department of the company. At this point in her career, her interest in investments was piqued and she was eager to learn more about working with clients, helping them to achieve their important financial goals. Joyce was convinced that the relationship-oriented aspect of financial planning was a way to achieve her goal of being of service to others so she accepted a financial planner training position with IDS Financial Services (American Express Financial Services) and was placed in their extensive training program. The rest, as they say, is history. That program began her 34-year journey in helping her clients make their dreams come true. In addition to being an Associate Wealth Manager at RWTA, for the past 12 years, Joyce is a Certified Retirement Coach™.

As a financial planner with Retirement Wealth and Tax Advisors, Ms. Howell focuses on retirement income planning, risk management, and estate planning. She holds Series 65 and Series 7 Securities Registrations. Ms.Howell also holds a BS degree in Business Administration from the University of Baltimore with a concentration in Business Management and Economics. Her credentials include: Registered Financial Planner (RFP^TM ), Certified Estate Planner (CEP^TM ) and Certified Retirement Coach (CRC^TM ). Ms. Howell was cited by NBC Nightly News as one of the outstanding retirement financial advisors in the Bay Area. Ms. Howell is an Investment Advisor Representative (IAR) with Cetera Advisors LLC, an entity whose purpose is to support independent financial advisors.

When not in the office Joyce enjoys traveling and spending time with her husband of 28 years, Rev. Dr. Mario Howell, who is a pastor and mentor of pastors-in-training in the San Francisco Bay area. Together they are heavily involved in community service. Joyce is passionate about making a difference in the lives of others and to that end, she serves as a life coach, motivational speaker, and avid volunteer.