Todd Howell is an owner and CFO of Universal Retirement. Todd began his love and study of financial markets while still in high school many years ago. Today, he enjoys helping other people achieve their financial goals. After owning several successful businesses he understands the financial needs business owners face. Todd specializes in helping other business owners and investors capitalize on financial growth and opportunities. Todd ensures his client’s goals and needs are his top priority. He is able to structure unique approaches to help his clients maintain their lifestyle when they retire.