MICHAEL K. HOWARD

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CRD#: 1386741

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

MICHAEL KEVIN HOWARD, CFP® was a registered financial professional .

MICHAEL is a previously registered financial professional and started their career in finance in 1985. MICHAEL had worked at 6 firms and has passed the Series 63, Series 7 and Series 24 exams.

Biography

Mike serves as a Private Wealth Manager, working directly with his clients to create and maintain a customized financial plan addressing most aspects of a sound financial life including investments, tax planning, risk management, retirement, employee benefits and estate planning.

Mike brings to his clients more than 30 years of experience in financial planning and asset management. He has spent his entire career in the financial services industry and has developed an in-depth knowledge of serving clients with comprehensive wealth management. Prior to joining Creative Planning, Mike built a firm in Silicon Valley with $2.0 billion in assets under management.

Mike earned a Bachelor of Science degree in Finance from San Francisco State University where he graduated with an emphasis in investments and tax. He received an MBA in Personal Financial Planning from Golden Gate University and completed the Sequence in Personal Financial Planning at the University of California at Berkeley. Mike is a CERTIFIED FINANCIAL PLANNER™ professional as designated by the Certified Financial Planner Board of Standards.

Mike and his wife Bari have three grown children and two grandchildren. In his spare time, Mike enjoys spending time with his family, playing music, yoga, cycling and his newest passion - pickleball.

Question & Answer

What are your service offerings?

Estate Planning

Investment Planning

Retirement Planning

Comprehensive Financial Planni...

Are you a "fiduciary"?

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 1988

Experience

Past

January 13, 2022 - January 3, 2025

CREATIVE PLANNING

RIA

CRD#: 105348

Burlingame, CA

Past

June 22, 2001 - February 15, 2022

EMERY HOWARD

RIA

CRD#: 113079

BURLINGAME, CA

Past

November 19, 1989 - December 31, 1994

OSAIC WEALTH, INC.

CRD#: 23131

Past

December 15, 1987 - November 19, 1989

INTEGRATED RESOURCES EQUITY CORPORATION

CRD#: 6403

Past

September 19, 1985 - January 11, 1988

OGILVIE SECURITY ADVISORS CORPORATION

CRD#: 10105

Past

July 24, 1985 - September 30, 1985

FSC SECURITIES CORPORATION

CRD#: 7461

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

CREATIVE PLANNING

CRD#: 105348 / SEC#: 801-18564

RIA

Registered Investment Advisory firm - (3/18/1983 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

Series 63

Date: 2/17/1987

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 7/20/1985

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 8/3/1987

General Securities Principal Examination

Current Firm

CREATIVE PLANNING

CRD#: 105348 / SEC#: 801-18564

RIA

Registered Investment Advisory firm - (3/18/1983 Approved)

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Contact information

Main Address

5454 W. 110th Street, Overland Park, KS 66211

Mailing Address

Phone number

(866) 909-5148

Established

Firm type

Fiscal year end

# of Employees

1,428

SEC notice filing (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

CREATIVE PLANNING FIRM BROCHURE (3/5/2025)

Regulatory assets under management

Total Number of Accounts	269,686
AUM (Assets Under Management)	$ 217,399,324,981

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
06/27/2025	Cover Page	Report
09/19/2024	Cover Page	Report
01/03/2024	Cover Page	Report
01/18/2023	Cover Page	Report

Red Flags

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Check for any disclosures as part of your thorough research when choosing an advisor.

Contact information

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MICHAEL K. HOWARD

Professional summary

Biography

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

EMERY HOWARD

OSAIC WEALTH, INC.

INTEGRATED RESOURCES EQUITY CORPORATION

OGILVIE SECURITY ADVISORS CORPORATION

FSC SECURITIES CORPORATION

Primary Firm SEC Registration

CREATIVE PLANNING

State Registrations and Notice Filings

Exams

Series 63

Date: 2/17/1987

Series 7

Date: 7/20/1985

Series 24

Date: 8/3/1987

Current Firm

CREATIVE PLANNING

Contact information

SEC notice filing (53 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

CREATIVE PLANNING

TRUST BUT VERIFY

Contact information

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