My name is Bob Howard, and I’m a licensed insurance producer with A & I Insurance and Retirement.

After a 30-year career as an educator, I’ve carried my passion for helping others into the insurance and retirement planning field.

I specialize in health and life insurance, Medicare solutions, annuities, and debt reduction – providing personalized strategies to help clients protect their future and achieve financial peace of mind.

I also serve as an NCAA baseball umpire, where focus fairness and integrity are essential – values I bring to every client relationship.

Whether you’re navigating Medicare, planning for retirement, or looking to reduce debt and improve your financial outlook, I’m here to help you make clear, confident decisions.