Protecting, Securing and Planning for Consumers Along the Coast

Welcome to Howard Financial Services Inc.

Howard Financial Services Inc., is an independent agency representing top ranked insurance companies with proven performance and financial strength. We strive to provide high levels of service and quality products, helping our clients protect and preserve their assets for themselves and their families.

Life expectancies are getting longer and living expenses are increasing. Our clients are relying on a more conservative approach using plans with built in guarantees that offer long term security and predictability. Howard Financial Services Inc., believes "peace of mind" can be realized by addressing issues such as safety of principal, potential of strong earnings, access to funds, choice and control, tax deferral and guaranteed lifetime income.

What is Important to You?

Are you a retired person wanting a guaranteed lifetime oncome, peace of mind and access to your money?
Or are you an individual interested in tax deferrals, insurer reliability, or leaving a legacy?
Or are you a small business owner desiring strong earnings, security of principal and choice and control?

With the protection of minimum guarantees, interest crediting options that offer high accumulation potential, and diverse liquidity and payout options for varied situations. Fixed indexed annuities can address all of these objectives and help you during retirement.

We provide assistance up and down the East Coast.

Products and Services We Offer:

Fixed Annuities with attractive current rates.
Index Annuities with guaranteed lifetime income.
Rollovers (lump sums or transfers in either qualified or nonqualified markets)
Affordable Term Life Insurance
Whole Life or Universal Life Insurance
Long Term Care Insurance
Critical Illness Insurance
Business Insurance
Auto, Boat, and RV Insurance (Through George E. Howard Insurance Agency)

Who We Are

Howard Financial Services Inc. was first licensed in 2001 as an independent agency with a goal to help our clients protect and preserve their assets for themselves and their families.

Robert Iaderosa, owner of Howard Financial Services Inc., became an insurance agent in 1976 when joining Prudential Insurance Co., and soon took a management position responsible for training and developing other agents from Massachusetts, Rhode Island, and Maine. In 1998 he formed Iaderosa Associates, specializing in business insurance and estate planning. Howard Financial Services was established in 2001.

Our Promise

We strive to provide high levels of service and quality products, helping our clients protect and preserve their assets for themselves and their families.