Your Team

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Danielle Howard, CFP®

Molly McMahon

Cambridge

Investment

Research, Inc.

SEI

Danielle has more than 24 years of experience serving clients in the financial field. With a degree in business marketing, she joined her husband’s life insurance practice back in 1993. Compelled that people needed process before product, she saw an opportunity to help people create healthy financial lives. Embracing that the fall season of a person’s financial life has grown in complexity, she brings her unique expertise and personal experience with the financial, relational, psychological, emotional, and physical facets of the retirement season. She is a Certified Financial Planner practitioner and has been trained as a financial life planner with Money Quotient® and is a Certified Kingdom Advisor®.

She writes a personal finance column in the Glenwood Post Independent, and blogs for Market Watch, 60 and Me, Investopedia, and other national publications and websites with the focus on making the most of retirement. She is the author of ‘Your Financial Revolution’ – Time to Recognize, Revitalize and Release Your Financial Power.  Speaking to organizations, including Aspen Ski Company and Health Links Colorado, she educates and empowers people to become their next best financial selves. Danielle and her husband, Mark, walk the walk of financial health to the best of their abilities.  Mark is in his second round of “rewiring” after leaving a 10-year teaching career in the spring of 2017. They had to make financial life choices along the way to support each other in living out their passions and to fill each day with purpose and meaning.

A Colorado native, Danielle has lived in the Roaring Fork Valley for the past 32 years. She and her husband Mark have four children and live in Glenwood Springs. Danielle loves to cook and host friends and family in their home. Taking full advantage of their community, she and Mark love to get on the rivers, bike, and hike in the summers, and ski, snowshoe, or cuddle up with a good book in the winters. She enjoys travel, and is a fervent student of life, yet relishes her home base in the beautiful Roaring Fork Valley.

Whether it is one individual at a time or serving an organization, Danielle and our team at Wealth by Design, LLC are making a difference. Giving is a foundational component of creating a healthy financial life. Danielle educates non-profits and their donor base as to creative giving strategies in order to embrace and thrive on their journey of generosity. From 2014–2016, she worked with Response in Aspen and the Embrey Family Foundation to create a “Women’s Financial Empowerment Workshop” where she facilitated a four week session on a volunteer basis. In 2015, working with fellow advisor, Partha Iyengar, Danielle underwrote the Life and Money workshop in colleges across Tumkur District in Karnataka, India. The program reached more than 500 women. Working with kids is another facet of Danielle’s generosity journey. She participates with Youth Entity on their Level Two “I am Financial Knowledge” program curriculum. She has trained associates and taught the course at Basalt Middle School, as well as presented the Junior Achievement in fourth grade curriculum for the past several years. She is involved with local churches and faith-based organizations to present financial life stewardship learning opportunities. She speaks locally to organizations with the goal of educating and empowering families around their financial choices and increasing satisfaction in their financial lives. She also provides personalized financial planning services to families struggling with life-threatening health care issues and U.S. veterans. Danielle has given her time and talents to the Board of Habitat for Humanity Roaring Fork, the Valley View Hospital Planned Giving Board, and the Elder Board at Christ Community Church.

Danielle and her husband, Mark, are honored to give financially to the causes and concerns they are passionate about. At least 10% of their personal gross income is invested in charitable organizations with the goal of increasing that amount annually.

Molly is passionate about making the client experience at Wealth By Design inviting, comfortable, and professional. Money is not an easy topic to delve into and your experience with Molly – from setting up your client discovery meeting to moving money into one of our asset management programs will be met with utmost discretion, proficiency and ease. In 2017 she successfully completed her Series 65 licensing requirements. The Series 65 qualifies her as an investment advisor representative. This rigorous course of study and testing brings added value to serving our client base in her role as client relationship manager or as we say “clientologist extraordinaire”. Molly brings with her previous experience as Senior Client Services Associate with Alpine Bank Wealth Management with a focus on client support and development.

Molly’s commitment to excellence and attention to detail bloomed over her 19 years of working in the family furniture business in Basalt. She filled the roles as GM, bookkeeper, buyer and sales associate. When not at her desk, she is a mom-extraordinaire of two teenagers and a King Charles Cavalier Spaniel.  To keep herself sane and distress from a busy day at WBD, she practices hot yoga and gets outside to enjoy all the valley has to offer. She will walk alongside Danielle as we fulfill our commitment to “Take a Personal Interest in your Financial Well-being”.

Just as you have the opportunity to choose your financial professional, we in turn can choose our independent broker-dealer. As an independent financial firm, we are not an employee of an investment or financial services firm – we are independent business owners. Therefore, we are not pressured or distracted by corporate interests and can focus on what is best for you and your financial goals. We are proud that our values – integrity, commitment, flexibility, and kindness – are shared with our broker-dealer, Cambridge Investment Research, Inc. (Cambridge).

Together, we focus on a common priority – you.

As one of the most respected and largest privately held independent broker-dealers in the U.S., Cambridge is owned entirely by its management and financial professionals. With Cambridge, we have total independence as to how we operate our business while they provide all of the back office support in compliance, marketing, licensing, and regulation. They also provide access to a first-rate network of people, products, and resources, enabling us to customize a financial plan that helps you realize your dreams for today and prepare for tomorrow. Collectively, we offer you the opportunity to work with an independent financial advisor combined with the ability to access a wide range of diversified financial products and a wealth of investment resources.

As part of the Wealth By Design team, we have partnered with SEI, a global leader in wealth management solutions.  For more than 40 years, SEI has created innovative solutions to meet the needs of managing wealth.  Our strategic partnership with SEI is designed to increase our operational efficiency, resulting in lower fees and a focus on risk management. SEI was founded in 1968 and has over 204 billion in assets under management as of June 30th, 2013.  They are headquartered in Oaks, Pennsylvania with over 2,600 employees worldwide.  They have 100 Investment Analysts across the globe that look at quantitative and qualitative analysis as part of their multi-manager approach to optimize returns.

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