Nancy Howard

Nancy J. Howard is an Executive Vice President at Spectrum Asset Management, Inc., a registered investment advisory and wealth-management firm based in Newport Beach, California, which she joined in 2012. She is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional with more than 40 years of experience as a finance professional, and her work centers on financial planning, investment counseling, and helping clients protect and grow their wealth.

Before joining Spectrum, Howard co-founded the registered investment advisory firm Harrigan & Howard Financial Advisors in 1997, and earlier worked as a credentialed CFP® at a regional financial planning firm. Over her career she has held senior finance leadership roles — including Controller, Vice President of Finance, and Chief Financial Officer — at both privately held and publicly held companies. She began her career as a Certified Public Accountant with a large national public accounting firm in Los Angeles.

Originally from Wisconsin and raised in Southern California, Howard resides in Huntington Beach with her husband. Outside of work she enjoys snow and water skiing, travel, hiking, and tennis.

Spectrum Asset Management, where she practices, has served more than 350 families for over 30 years and manages in excess of $600 million in assets, offering retirement planning, wealth management for families and business owners, tax-reduction strategies, and generational wealth-transfer planning.

• Howard's professional focus is wealth management and financial planning for individuals, families, and business owners — not startup or venture investing.
• She advises on retirement planning, investment counseling, tax-reduction strategies, and generational wealth transfer, typically within the context of a client's overall financial plan.
• Her firm, Spectrum Asset Management, states it helps clients *"build wealth, transfer assets and values across generations, reduce taxes, and invest in ways which align with their values"* — a values-aligned, planning-first approach rather than a startup-check thesis.
• No publicly stated angel/seed investment thesis, check size, or sector focus could be found; there is no evidence she writes checks into early-stage startups.