Broker Check

About Premier Financial Consultants

At Premier Financial, we are dedicated to providing an unparalleled client experience. Our team is not just a group of professionals; we operate more like a family with a boutique feel. With a combined experience spanning decades, we take pride in our ability to provide a personalized experience. Clients can rely on any member of our team, knowing that they will be taken care of with precision and attention to detail.

Commitment to Integrity and Client's Best Interests

At the core of our philosophy is a commitment to integrity and doing what's in the best interest of our clients.  We go beyond merely managing assets; we assess your overall financial health and identify areas where improvements can be made. Our goal is to provide recommendations that truly serve the client's best interests. 

We maintain a low-pressure approach, allowing clients to explore our services at no obligation. Our recommendations are presented transparently, and clients are free to choose all or part of the suggested strategies. We stand behind our recommendations, always working diligently to earn and maintain the trust our clients place in us.

A Holistic Approach to Financial Planning

What sets us apart is our broad and comprehensive approach to financial planning. While many advisors focus solely on managing assets, we take pride in examining every aspect of our clients' financial lives. From insurance, including life insurance and long-term care, to working with our client's attorneys and qualified tax advisors on financial estate planning documents and tax-advantaged strategies, we ensure that all elements are well-coordinated with investments.

Our team, led by Andy Howard, has a wealth of experience in identifying potential gaps and optimizing various aspects of our clients' financial portfolios. We believe that communication and collaboration between different professionals, including accountants and legal advisors, are crucial for achieving the best outcomes.

A Holistic Approach to Financial Planning

We have a saying in our office that “small hinges swing big doors.” The little things matter. In an industry where precision is paramount, we set ourselves apart by being fanatical about getting things right the first time. From checking every beneficiary designation meticulously to making sure you understand the purpose and reason behind every account you own, our number one priority is to ensure that our clients’ financial plans are implemented with the utmost precision in order to minimize errors and optimize outcomes.

Embracing Progress and Client-Centric Values

As we continue to evolve in the digital age, our commitment to providing personalized, client-centric services remains unwavering. Our focus remains on delivering hands-on and personal financial planning services to our clients regardless of the digital age we’re living in.

Our Financial Consulting Team

At Premier Financial, we are not just financial advisors; we are partners in your financial success, dedicated to creating a robust and tailored plan for your financial future.

Andrew Howard ChFC, CLU | CEO | Financial Advisor

Andrew Howard ChFC, CLU | CEO | Financial Advisor

Andy Howard's passion for finance began early, witnessing his father's success in the insurance industry. Driven by a desire to put client needs first and offer a wider range of options, Andy transitioned to independent advising. This shift ignited a focus on building deep, trusting relationships with individual clients, allowing him to truly understand their unique goals and aspirations.


With over 40 years of experience, Andy’s core belief remains unwavering: putting the client’s interest at the forefront of every decision. While financial expertise is crucial, Andy believes the human element is equally important. He enjoys getting to know his clients, their stories, and their dreams, fostering genuine connections that go beyond numbers on a spreadsheet.


Outside of the office, Andy enjoys the diverse seasons and natural beauty of his home state. An avid outdoorsman, he finds solace and inspiration in fishing, hunting, and exploring the state's waterways. 


Partnering with Andy means gaining a trusted advisor who prioritizes your financial well-being and builds a plan that reflects your unique journey.

Sam Williams | Financial Advisor

Sam Williams | Financial Advisor

Sam's journey in finance began at USA Financial, where he built experience in crafting retirement income plans and supporting other advisors. Driven by a desire to connect directly with clients, he transitioned to Premier Financial. Sam and Andy spent extensive time evaluating their shared values to confirm a comfortable cultural fit.


Now, Sam thrives on creating personalized retirement plans for each client, prioritizing clear communication and building strong relationships. He values the collaborative environment at Premier Financial and their unique partnership with USA Financial, which provides extensive resources and a "boutique" feel despite their larger size. When he's not immersed in financial planning, Sam enjoys outdoor activities and maintains a competitive spirit.

Jennifer Brown | Director of Operations

Jennifer Brown | Director of Operations

Jennifer Brown has been a pillar of Premier Financial for 20 years, earning the respect and trust of both colleagues and clients. Her background in car insurance instilled a strong foundation in customer service, which translates seamlessly to her current role as Director of Operations. Jennifer thrives on untangling complex client issues, drawing on her experience to navigate through investment rules and regulations for Premier’s clients. Her experience and research capability allows her to assist advisors to make informed decisions and reduce wait times for an enhanced client experience.


Jennifer's down-to-earth personality and charm contributes to her strong rapport with clients. She goes above and beyond to ensure their needs are met, fostering a sense of trust and loyalty. 


Outside of work, Jennifer finds herself dancing and writing, and cherishes time with her husband and their two dogs, a French mix named Delphi and a Foxhound mix named Phineas. 

Kelsey Howard | Director of Client Relations

Kelsey Howard | Director of Client Relations

Kelsey Howard, a recent Michigan State graduate with a double major in Finance and Economics, brings her passion for numbers and her outgoing personality to Premier Financial. As Director of Client Relations, Kelsey works with the advisors to aid clients with service requests and provide immediate attention to questions and concerns. Kelsey's meticulous attention to detail and genuine connections with clients make her an invaluable asset to the team.


As part of the marketing team, Kelsey also takes the lead on extending Premier Financial’s online presence and coordinating events. 


When she's not working towards your financial goals, you might find her playing with her pups, or spending time with her twin sister. Looking to the future, Kelsey is excited for the expansion of Premier and continues to pursue her aspirations of becoming a financial advisor.

Our Financial Consulting Philosophy

Our Financial Consulting Philosophy

Premier Financial's philosophy is rooted in delivering an unmatched client experience. We take pride in our commitment to unwavering integrity and personalized financial planning. Embracing a holistic approach, our firm goes beyond asset management and we take into consideration all facets of a client's financial life. 

With a focus on accuracy and precision, Premier Financial strives to optimize outcomes while maintaining a collaborative and familial team dynamic. We value long-term client relationships, positioning ourselves not just as financial advisors but as trusted partners.

Our Financial Consulting Process

Our Financial Consulting Process

Our firm, in collaboration with USA Financial, has developed a meticulous and streamlined consulting process. 

Our proprietary process, The Tailored FORMula involves listening closely to clients' needs and preferences, tailoring investment designs to their risk tolerance, liquidity requirements, and growth expectations. Our team places a significant emphasis on educating clients and involving them in the decision-making process. Our dedication to providing visual aids and compartmentalizing assets based on specific purposes further enhances clients' understanding and makes the entire process more transparent and accessible.


The process begins with an initial Discovery meeting where the team gets to know the client, their goals, and objectives.


This is followed by a Design meeting where a tailored plan is created, considering factors such as Social Security optimization, risk tolerance, and asset positioning.


During the initial year, we engage in frequent communication, providing a dozen to two dozen touchpoints, including phone calls and meetings, to guide clients through the onboarding process. The confirmation meeting, held after assets have been transferred, ensures clients fully understand the plan, account designations, and beneficiaries. This attention to detail is not a common practice in the industry, setting us apart.


Our commitment doesn't end with crafting your initial plan. We believe in fostering a dynamic partnership that evolves alongside you. After the initial year, you can expect that we’ll remain by your side throughout life's inevitable ups and downs. Whether you're welcoming grandchildren, navigating a career change, or facing retirement, we'll be there to reassess your goals, adjust your plan, and ensure it continues to align with your evolving needs.

Who is USA Financial?

Our Primary Partner

In the financial services industry, choosing the right firm to work with is one of the most important decisions an advisor can make.  Our choices were vast, but we chose to affiliate with USA Financial. We'd love to share more about our personal search, partnership goals, and experience with USA Financial during your next meeting with us.

People Are The Priority

Once affiliated, a financial advisory office works with their partnering firm constantly - utilizing their tools, technology, and team members to process requests and help manage our practice. USA Financial has committed to fostering healthy relationships with their advisors, including us, in the following ways:

  • Hiring high-quality employees to staff their corporate office. 
  • Limiting the number of advisory offices they work with so true partnership is achieved.  
  • Developing processes and products with end-users (you) in mind.

Plan First Invest Second

That is the philosophy USA Financial adopted many years ago and promotes through their technology and coaching. This makes them a good partner for us as we seek to keep your best interest at the heart of every recommendation we make. Their processes and tools help us prioritize planning with you before taking financial next steps. 

About USA Financial 

USA Financial celebrated their 35th anniversary in 2023 and have always been committed to being the central support system to their affiliated independent financial advisors.

They are a family of financial companies, each built to empower investors and advisors: An independent firm, their family is composed of a FINRA-registered broker-dealer, insurance wholesaler, a registered investment advisor and formulaic trending money manager, a UMA/TAMP platform, and a technology/coaching/marketing firm. They are proud to be an Inc. 5000 company - one of the 5000 fastest-growing private companies in the country. USA Financial is one of the nation’s leading independent financial firms, who help advisory offices like ours nation-wide.

USA Financial is an integral part of our team: Please know that you are welcome to ask us about them any time!