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CFP

Howard Young

St. Bernard Financial Services, INC.
31 Years of Experience
Carmel, IN
1 DisclosureBroker
View SEC Summary
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Howard Young is a CFP-designated registered investment advisor at St. Bernard Financial Services, INC., based in Carmel, IN, with 31 years of industry experience. Howard is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Business Owners, Estate Planning, Insurance Planning, Investment Management, and 2 more. Their firm serves 798 clients with $140M in assets under management.

St. Bernard Financial Services, INC.
Compensation
Fee-Only (% of Portfolio)Fixed/Hourly
Firm Size
42 advisors
Number of Clients
798 clients
Average Client Portfolio
$171K average
Assets Under Management
$136.2M

Fee Structure

Minimum Investment:None
Investment management only (planning not offered)
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $50K2.00%
$50K - $100K1.75%
$100K - $250K1.50%
$250K - $500K1.25%
$500K - $5.0M1.00%
$5M+1.00%

Fees for accounts over $5 million are negotiable. Clients may alternatively choose a flat fee to be negotiated.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
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Location

Carmel, IN

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History

Regulatory History (1)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Regulatory
June 2007
Final
View Full SEC ReportHow to Read Disclosures
Other Business Activities

Howard works as a financial advisor for Maven Retirement Advisors, performing the duties of a registered representative/investment advisor representative. This activity takes up the majority of Howard's time.

Employment History
Current Registrations
St. Bernard Financial Services, INC.Broker
August 2025 - Present · 1 yr 2 mos
St. Bernard Financial Services, INC.
August 2025 - Present · 1 yr 2 mos
St. Bernard Financial Services, INC.
August 2025 - Present · 1 yr 2 mos
Previous Registrations
Osaic Wealth, INC.
September 2023 - August 2025 · 1 yr 11 mos
Osaic Wealth, INC.Broker
September 2023 - August 2025 · 1 yr 11 mos
Sagepoint Financial, INC.
September 2016 - September 2023 · 7 yrs
Sagepoint Financial, INC.Broker
September 2016 - September 2023 · 7 yrs
Cetera Investment Advisers LLC
April 2011 - September 2016 · 5 yrs 5 mos
Cetera Financial Specialists LLCBroker
March 2011 - September 2016 · 5 yrs 6 mos
Qa3 Financial LLC
May 2004 - February 2011 · 6 yrs 9 mos
Qa3 Financial CORP.Broker
April 2004 - February 2011 · 6 yrs 10 mos
Raymond James Financial Services
November 2001 - April 2004 · 2 yrs 5 mos
Raymond James Financial Services, INC.Broker
September 2001 - April 2004 · 2 yrs 7 mos
London Pacific Securities, INC.Broker
February 2000 - September 2001 · 1 yr 7 mos
Proequities, INC.Broker
July 1998 - May 2000 · 1 yr 10 mos
Donahue Securities, INC.Broker
August 1997 - July 1998 · 11 mos
The Lincoln National Life Insurance CompanyBroker
February 1995 - September 1997 · 2 yrs 7 mos
Lincoln Financial Advisors CorporationBroker
February 1995 - September 1997 · 2 yrs 7 mos
State Registrations2 states
INMI
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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