Howell Financial Advisors, Inc. is an established and growing fee-only wealth management firm located on the north side of the Indianapolis metro area. Our wealth management services include both personal financial planning and investment management services to clients throughout Indiana and currently six other states. Our clients include retirees and people transitioning into retirement; people accumulating wealth prior to retirement; people who have lost a spouse and are seeking help with their finances; and other people who need assistance with their personal finances. We do not sell financial products or represent sales organizations, and our clients appreciate that we offer independent and objective advice. Initial financial planning services are based upon a project fee, and ongoing wealth management services, including investment management, are provided through a quarterly retainer fee. We use a nationally recognized, independent third party custodian to hold our clients' investment portfolios. Our investment philosophy is centered on the following principals: -- All portfolios are based upon the clients' short-term and long-term financial objectives. -- A written investment plan is provided to clients for review and approval. -- The plan is based upon a diversified group of investment categories and non-correlated investment sectors. -- We only recommend no-load (no commission), low-cost investments. -- Portfolios are monitored and periodically rebalanced to the target asset allocation ranges. -- Investment results are communicated back to clients on a quarterly basis. We meet with and communicate to clients throughout the year regarding their personal financial planning and investment portfolio issues.