Financial, Legal, & RealtyStrategy

Your Money is More Powerful Than You Realize – Interview with Todd Howell

Todd Howell, a partner at Universal Retirement, shares how you can make your money twice as powerful than you previously thought. He also shares some tips for business owners and entrepreneurs that he’s picked up over the last 25 years.

Please tell us about yourself.

I love helping people with their money. I’ve always been fascinated with making money. I was the kid in high school that was following the stock market while other kids were following basketball and football. I show people how to multiply the power of their money, lower their taxes, while maintaining access to their cash. I have an MBA and a Master of Aeronautical Science degree (because I love to fly helicopters in my spare time).

What services do you offer?

Universal Retirement helps people with all aspects of their money; from creating an initial budget to long term investing. I specialize in advanced strategies of helping people double the power of their money and creating tax-free incomes. I think it’s important for entrepreneurs and business owners to be able to access their retirement funds without early withdrawal penalties and tax bills. The strategies I use are typically only used by the ultra-wealthy so they’re often overlooked, but they can be used by anyone.


What inspired you to get into this business?

I’ve always enjoyed working with money and learning different investment strategies. I got into this business because I saw the tremendous need people have for securing their financial future. We have a serious problem in America today. Most people live paycheck to paycheck and have a negative net worth and little to no emergency funds set aside. When people do have retirement savings, most of the time their money is at risk. I like showing people how to secure their financial future.

What are some of the challenges facing business owners that you see?

I currently see several issues facing business owners. First, they are having a difficult time finding qualified employees. Second, most business owners have a hard time keeping up with changes in technology. They keep doing things the way they’ve always done it and that can make them obsolete if they’re not careful. Finally, like always, cash flow is critical. Business owners have to stay focused on cash flow.

What advice or tips would you give to new business owners or entrepreneurs?

This is my list that I use with new business owners or entrepreneurs. It may be a long list, but it’ll give them the best chance for success.

  • Get a Coach or Mentor
  • Know Your Niche
  • Knowledge
    • Products
    • Industry
    • Tax Laws
    • Competition
    • Allies to work with
  • Business Plan
    • Cash Flow, Cash Flow, Cash Flow
    • Keep your cash liquid
  • Business Structure
    • Sole Proprietorship
    • Partnership
    • C Corporation
    • S Corporation
    • Limited Liability Company
  • Business Taxes
    • Reduce Your Taxes
  • Separate Personal & Business Finances
  • Know Your Strengths and Weaknesses
  • Know Your Clients
    • CRM software
      • Know Your Client’s Needs
    • Marketing – Market Yourself
    • Track & Analyze
    • Always Evolve
    • Don’t get Discouraged
    • Remember the Benefits of Business Ownership
    • Put your money into a financial product that keeps your money working for you all of the time

If people need help with their finances, whether it’s to create a budget or to multiply the power of their money, or get a tax-free income, what’s the best way for them to contact you?

People can visit


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Jan Hines

A startup nerd and compulsive writer, Jan provides streamline information on the hottest trends and news.

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