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Howard Erman, CFP®, CRC, EA

Howard Erman, CFP®, CRC, EA

President & Founder

Howard Erman is a Certified Financial Planner (CFP), a Certified Retirement Counselor (CRC), an Enrolled Agent (EA), a Registered Representative, President of Erman Retirement Advisory, and a Branch Manager with Cetera Advisor Networks. Howard is licensed by the California Department of Insurance (CA Insurance License #0622453). His advice and experience in investments and tax and estate planning comes from 32 years of direct active practice, not only theory. 

Howard entered the financial services industry in 1982 and has built a clientele comprised of several groups of investors: first, working with those whom preparing for, or transitioning to, retirement is a primary goal; second, working with couples and individuals after retirement providing investment management and financial advice, and third, working with professional fiduciaries who have legal responsibility for the personal and financial management of others. Howard prides himself on the level of relationships he builds with clients and the research behind his financial advice. He understands the importance of  trust involved in planning for your future. 

He is responsible for the overall direction and long-term vision of Erman Retirement Advisory, the program that handles the tactical asset management services for our advisory clients.He combines a total commitment to financial planning with the philosophy that the client's goals should always come first. Working closely with a client, Mr. Erman designs a strategy that will help to more effectively work towards achieving financial goals. Maintaining a trusting relationship with the client is always a priority. He received his undergraduate degree from the University of Illinois (Urbana-Champaign), his Master's degree from Duke University, and the Certified Financial Planner designation from the College for Financial Planning. Howard was the President-Elect for 2013 and was the President in 2014 of the Orange County chapter of the Financial Planning Association (FPA). He is a member of the California Society of Enrolled Agents (CSEA) and the California Society of Tax Consultants (CSTC).