Kevin Thomas Howard

Employer firm

Cetera Investment Advisers LLC CRD 105644

$257B regulatory AUM 24,019 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers
• Educational seminars

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 09/1997 → 01/2024
  Flying Cloud Moneymanagement, Llc
  Columbia, MD
• 01/2002 → Present
  Kevin T. Howard, Cpa/Pfs, P.A.
  Elkridge, MD
• 02/2024 → 09/2025
  Avantax Advisory Services
  Columbia, MD
• 08/1996 → Present
  Flying Cloud Money Management, Llc
  Columbia, MD
• 04/2024 → 09/2025
  Avantax Investment Services Inc.
  Columbia, MD
• 09/2025 → Present
  Cetera Wealth Services, Llc
  Columbia, MD
• 09/2025 → Present
  Cetera Investment Advisers Llc
  Schaumburg, IL

Previous Registrations

• 2024-02-12 → 2025-09-05
  Avantax Advisory Services
  Columbia, MD
  Dallas, TX
• 2001-04-19 → 2024-07-09
  Flying Cloud Moneymanagement, Llc
  Columbia, MD

Other Businesses

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.

Exams

• S63 Uniform Securities Agent State Law Examination
  2025-02-11
• S65 Uniform Investment Adviser Law Examination
  2001-02-06

Designations

• Personal Financial Specialist

Other Names

• Kevin T Howard
• Kevin Howard