KH
Kevin T. Howard
CETERA INVESTMENT ADVISERS LLC
COLUMBIA, MD
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CRD#: 1705328
KH
Professional summary
Kevin Thomas Howard, who also goes by Kevin T Howard, Kevin Howard, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Columbia, Maryland and CETERA WEALTH SERVICES, LLC located in Elkridge, Maryland.
Kevin is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2001. Kevin has worked at 5 firms and has passed the Series 63, Series 65, Series 7TO and SIE exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Kevin T Howard | Kevin Howard
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.
1) Columbia Pro Cantare, Ltd; Treasurer; Columbia Pro Cantare is a nonprofit community choral organization organized under 501(c)(3). Typically the chorus performs at least 5 concerts per year in public venues featuring a variety of choral music.; NIR; 3; 06/01/1996; 8510 High Ridge Road Ellicott City MD 21043; I provide accounting support and compliance work including preparation of the annual 990. I attend monthly board of directors meetings 9 or 10 months of the year. I work with the Executive Director on a variety of accounting and compliance activities. 2) Kevin T. Howard, CPA/PFS, P.A.; Director; Licensed CPA firm in Maryland.� I offer tax planning, tax preparation for individuals and businesses, tax consulting, bookkeeping, and payroll services through this entity?.Technology consulting.; NIR; 60; 01/31/2002; 6030 Marshalee Dr Elkridge MD 21075; Preparation of tax returns and accounting consulting to clients. Management of all elements of this business. Technology management and operations. Marketing and advertising. 3) Flying Cloud Money Management, LLC (1); Sole proprietor; This is the trade name of what will be my future activity under Avantax's RIA. This includes financial planning, retirement planning, estate planning, investment planning and tax efficient investment strategies.; IR; 80; 08/07/1996; 5807 Humblebee Road Columbia MD 21075; Ongoing duties include financial planning, portfolio construction, ongoing investment updates and performance review, client service and marketing.�? 4) Estate of Roy Benjamin Dawson Jr; Personal Representative/Executor; This is a deceased's estate through which I was named personal representative/executor (PR). Duties include gathering assets of the deceased and distributing the assets to the named beneficiary, Frances Dawson Revocable Living Trust.; IR; 1; 01/01/2024; 6030 Marshalee Dr Elkridge MD 21075; Filing paperwork with the MD and gathering assets for distribution to�Frances Dawson Revocable Living Trust.? 5) Conscious Business Association of MD; Treasurer; 501(c)(3) business association based on the book Conscious Capitalism. Hosts seminars and learning events around topics in the book who's purpose is to build a movement of business leaders improving the practice and perception of capitalism to elevate humanity.; NIR; 2; 05/17/2017; 9770 Patuxent Woods Dr Columbia MD 21046; Duties include: Quickbooks maintenance, 990, State filing with MD to maintain our corporate charter. Banking and bill paying. Periodic financial reports to membership.
CRS (Client Relationship Summary) - RIA
Click below to view Kevin Thomas Howard's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
NoneExperience
Current
September 5, 2025 - Present
CETERA INVESTMENT ADVISERS LLC
RIA
CRD#: 105644
COLUMBIA, MD
Current
September 5, 2025 - Present
CETERA WEALTH SERVICES, LLC
Office #1: 6030 Marshalee Dr, Elkridge, MD 21075BD
CRD#: 13572
Elkridge, MD
Past
December 21, 2024 - September 5, 2025
AVANTAX INVESTMENT SERVICES, INC.
BD
CRD#: 13686
Columbia, MD
Past
February 12, 2024 - September 5, 2025
AVANTAX ADVISORY SERVICES
RIA
CRD#: 104556
Columbia, MD
Past
April 19, 2001 - July 9, 2024
FLYING CLOUD MONEYMANAGEMENT, LLC
RIA
CRD#: 118836
COLUMBIA, MD
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".
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
California(9/5/2025)
RR
Delaware(9/5/2025)
RR
Florida(9/5/2025)
RR
Louisiana(9/18/2025)
RR
Maryland(9/5/2025)
IAR
Maryland(9/5/2025)
RR
Massachusetts(9/5/2025)
RR
New Jersey(9/5/2025)
RR
North Carolina(9/18/2025)
RR
Ohio(9/5/2025)
RR
Pennsylvania(9/5/2025)
RR
Texas(9/5/2025)
IAR
Texas(9/5/2025)
RR
Vermont(9/18/2025)
RR
Virginia(9/18/2025)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
RR
Series 7TO
Date: 12/20/2024
General Securities Representative ExaminationGeneral Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
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Contact information
Main Address
1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096
Mailing Address
Phone number
(310) 257-7880
Established
Firm type
Fiscal year end
# of Employees
7,705
SEC notice filing (53 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 584,487 |
| AUM (Assets Under Management) | $ 163,792,814,520 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 10/27/2025 | ||
| 12/13/2024 | ||
| 09/26/2023 | ||
| 11/18/2022 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
