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Howard","","PART 2B of Form ADV Brochure Supplement provides disclosure information for Danielle M. Howard as an investment advisory professional. It is presented as an accompaniment to related disclosure brochures and Forms CRS for Cambridge Investment Research Advisors, Inc. and affiliated entities. The supplement includes supervision contacts, dated certification-style context, career and education history, professional designations (CFP® and CKA®), disciplinary information, and additional business activities with potential conflicts of interest.",{"@graph":69,"@context":127},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/part-2b-of-form-adv-brochure-supplement-danielle-m-howard/203897/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/part-2b-of-form-adv-brochure-supplement-danielle-m-howard/203897.png","ImageObject",300,407,{"name":92,"@type":93},"Clementine","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-08","2026-09-04",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",12,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119,123],{"name":110,"@type":111,"acceptedAnswer":112},"What information does this Brochure Supplement provide?","Question",{"text":113,"@type":114},"It provides disclosure information about Danielle M. Howard as an investment advisory professional, intended to accompany related disclosure brochures and Forms CRS.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"Who is listed under supervision in the document?",{"text":118,"@type":114},"The document lists Donna L. Talley under the supervision section, along with her contact address and phone number.",{"name":120,"@type":111,"acceptedAnswer":121},"Does Danielle M. Howard have any disciplinary events to report?",{"text":122,"@type":114},"The document states that Danielle M. Howard has no legal or disciplinary events to report.",{"name":124,"@type":111,"acceptedAnswer":125},"What potential conflicts of interest are discussed under other business activities?",{"text":126,"@type":114},"It explains that in an additional real estate/mortgage capacity, commissions may be earned, and that this creates potential incentives related to using proceeds to fund securities accounts.","https://schema.org",{"og:url":83,"og:type":129,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":131,"canonical":83},"index,follow",{"doc_id":133,"site_id":62},203897,1788564786,{"code":4,"msg":5,"data":136},{"doc_id":133,"user_id":137,"nickname":92,"user_avatar":138,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":139,"file_id":140,"file_url":141,"file_type":142,"file_size":143,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":81,"language":144,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":145,"faqs":146,"seo_title":147,"seo_description":67,"update_tm":134,"read_time":39},1374391974564,"https://ap-avatar.wpscdn.com/avatar/14000253aa45c000a9e?x-image-process=image/resize,m_fixed,w_180,h_180&k=1779874745381141002","PART 2B OF FORM ADV: BROCHURE SUPPLEMENT  \nDanielle M. Howard  \n76 Eagle Claw Circle Glenwood Springs, CO 81601 (970) 927-3909  \nSUPERVISION  \nDonna L. Talley  \n1776 Pleasant Plain Rd Fairfield, IA 52556-8757  \n(641) 472-5100  \n6/23/2025  \nThis Brochure Supplement provides information about Danielle M. Howard that is an accompaniment to the Disclosure Brochures and Forms CRS for our firm, Cambridge Investment Research Advisors, Inc (CIRA) and affiliated broker-dealer, Cambridge Investment Research, Inc.(CIR) . You should have received all of these together as a complete disclosure packet. If you did not receive our Disclosure Brochures or Forms CRS or if you have questions about this Brochure Supplement for Danielle M. Howard, you are welcome to contact us through the information listed to the left.  \nAdditional information about Danielle M. Howard is available on the SEC website [at www.adviserinfo.sec.gov. Please](at www.adviserinfo.sec.gov. Please) be aware that not all states require registration and therefore your Financial Professional may not show up on the SEC website.  \nDanielle M. Howard  \nCFP®, CKA®  \nCRD\\#: 2890740  \nYear of Birth: 1961  \nEDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE  \nEducation  \nNo formal education  \nBusiness Background  \nInvestment Advisor Representative, Cambridge Investment Research Advisors, Inc.,  \nMarch 2014 To Present  \nReg Rep, Cambridge Investment Research, Inc,  \nJanuary 2009 To Present  \nInvestment Advisor Representative, Lighthouse Financial, LLC, January 2007 To Present  \nBudget Counseling, Angel Fund,  \nJuly 2000 To Present  \nOwner, Wealth by Design, LLC,  \nNovember 1994 To Present  \nVice President, Wealth by Design, LLC,  \nOctober 1992 To Present  \nPartner, Trt Partnership,  \nDecember 1989 To Present  \nPROFESSIONAL DESIGNATIONS  \nYour Financial Professional has achieved the designation(s) below. If you would like additional information you may discuss with your financial professional or visit the issuing entity’s website.  \nCFP®–Certified Financial Planner  \nIndividuals certified by CFP® Board have taken the step to demonstrate their professionalism by voluntarily submitting to the CFP® Certified Financial Planner certification process that includes thorough education, examination, experience and ethical requirements. The CFP® is issued by the Certified Financial Planner Board of Standards, Inc. Pre-requisites require a designee to hold a Bachelor's degree (or higher) from an accredited college or university and three years of full-time personal financial planning experience or the equivalent part-time experience. The designee is then required to complete a CFP® board registered program, or hold one of the following designations; CPA, ChFC, CLU, CFA, PH. D. in financial planning, finance, business administration, or economics, Doctor of Business Administration, Attorney's License, or CFP® certification from outside the U.S. The designee is then required to complete the CFP® certification examination. In addition, the designee is required to complete 30 hours of continuing education every two years. Certified Financial Planner Board of Standards, Inc.(CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.  \nCKA®–Certified Kingdom Advisor  \nKingdom Advisors has created the CKA® Certified Kingdom Advisor® designation to provide confidence to those looking for financial counsel from a biblical perspective. Additionally, Kingdom Advisors has developed a nationwide, searchable database to assure the general public that an advisor indeed has met the criteria required of a Qualified Kingdom Advisor® . Prerequisites vary by discipline; however, all candidates are required to have a letter of reference from a pastor or member of pastoral staff,","cbCaitnf3k1K60Bv","https://ap.wps.com/l/cbCaitnf3k1K60Bv","pdf",446104,"English","# Supervision\n## Identification and effective date\n## Educational background and business experience\n## Professional designations\n## Disciplinary information\n## Other business activities and potential conflicts of interest","[{\"question\":\"What information does this Brochure Supplement provide?\",\"answer\":\"It provides disclosure information about Danielle M. Howard as an investment advisory professional, intended to accompany related disclosure brochures and Forms CRS.\"},{\"question\":\"Who is listed under supervision in the document?\",\"answer\":\"The document lists Donna L. Talley under the supervision section, along with her contact address and phone number.\"},{\"question\":\"Does Danielle M. Howard have any disciplinary events to report?\",\"answer\":\"The document states that Danielle M. Howard has no legal or disciplinary events to report.\"},{\"question\":\"What potential conflicts of interest are discussed under other business activities?\",\"answer\":\"It explains that in an additional real estate/mortgage capacity, commissions may be earned, and that this creates potential incentives related to using proceeds to fund securities accounts.\"}]","PART 2B OF FORM ADV - BROCHURE SUPPLEMENT - Danielle M. Howard | PDF"]