Michael J. Howley

Retirement, Investing, Lifestage Based Planning
“As a seasoned independent fee-only financial advisor, Michael Howley's mission is to put his clients best interest first and work as their fiduciary advisor in a conflict-free relationship.”

Meyer Capital Group

Job Title:

Certified Financial Planner


Michael Howley is a fee-only investment advisor representative at Meyer Capital Group in Marlton, NJ. Michael joined Meyer Capital Group in April 2002. Prior to joining MCG, he served as a Senior Investment Specialist and Assistant Branch Manager with Charles Schwab & Company, where he consistently led a $3 billion branch.. In addition to his day-to-day responsibilities, he was selected by Schwab management to act as the Regional Coordinator for their AdvisorSource, a program for high-net wealth investors that have complex financial situations and need specialized planning & investment solutions. For his work with the program he was awarded the prestigious "Excellence In Service Award" for superior performance and client relations. Prior to that experience, Mike worked on a trade desk at Brown & Company in Philadelphia and started his financial services career with Smith Barney specializing in the IPO markets.

Mike holds an Associates of Science in Management from Pierce College, a Bachelor of Science in Business Administration from Rutgers University, and has completed all of the education requirements with Fairleigh Dickinson University for the CERTIFIED FINANCIAL PLANNER™ certification. Mike has also  completed all of CFP Board's requirements in education, ethics, experience and examination to earn the right to call himself a CFP®. 


BS, Business Administration, Rutgers University
AS, Management, Pierce College
Financial Planning Program, Fairleigh Dickinson University

Assets Under Management:

$1 billion

Fee Structure:


CRD Number:



Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Meyer Capital Group) will be profitable. Please remember that it remains your responsibility to advise Meyer Capital Group, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. A copy of our current written disclosure statement discussing our advisory services and fees continues to remain available for your review upon request. Please Note: Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Meyer Capital Group is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Meyer Capital Group by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

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    Debt, Real Estate
What should I pay off first: my mortgage or my credit card debt?
100% of people found this answer helpful

Focus on paying off the credit cards first. This type of consumer debt is considered "bad debt". A mortgage would be considered "good debt". The two main differences would be that you can deduct mortgage interest from tax liabilities and they are typically a fraction of the rate on credit cards. With that said, you should consider converting your credit card debt to a HELOC (home equity line of credit) and then chopping up all of your cards except one.  

Best of Luck!


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