Known for his "Solutions-Based Thinking" approach, Howard R. Berger, CLU, LUTCF brings a sound, practical perspective to helping his clients achieve their financial goals.
"Everyone has their own point of view on how things should be and what is truly important to them. Incorporating these diverse points of view with the right industry planning tools allows me to design a financial program that makes sense to a client's particular needs."
Since 1980 he has been an advocate for clients and their goals, needs and dreams, Howard has had a variety of roles within the financial services field - all the while still serving his own clients. For the majority of his career he has been an educator to members of the industry as well as members of the public. Since the mid-1980s, he has been a member of the adjunct faculty of The American College, teaching industry-related courses to fellow professionals as well as providing informational seminars on a wide range of helpful topics to the general public.
As a training director to a major market firm in the Greater Chicagoland area, Howard became a specialist in Adult Learning Systems, designing and implementing curriculums to improve advisors' abilities to assist their clients attain financial fitness.
As the youngest of four sons of an eminent C.P.A. and a college administrator, education was highly valued growing up - as was the concept of the "idea". It is these values that taught Howard to be innovative and a visionary for the benefit of his clients. "It is about also noticing the things that others don't that helps people get to where they want to be."
Howard is a graduate of The University of California, Irvine, a Chartered Life Underwriter and a Fellow of The Life Underwriters Training Council. He is also a Past President of NAIFA-Chicago.
He was born and raised in the near northern suburbs of Chicago and until recently lived in Northbrook where he cared for his elderly mother who suffered from Alzheimer's Disease. He had been able to keep his promise of allowing her to stay in her home until she passed away peacefully at 93.
Howard now resides in Wheeling, Illinois.
Howard is also the father of two sons and in his spare time enjoys reading and writing.
- Executive Board of Directors, National Association of Insurance and Financial Advisors (NAIFA) Chicago Region
- Director at Large, Greater Northern Illinois NAIFA
- The Kind Excellence Project