Denise Howard

Meet Denise

Denise Howard joined First Command Financial Services as a Financial Advisor in July 2010, bringing more than 20 years of financial services industry experience to the position. Previously, she served as vice president of Wells Fargo Bank, where she was responsible for underwriting businesses for loans, deposits, retirement services, and cash management.

A graduate of Mars Hill College with a Bachelor of Science degree in Business Administration and Finance, Denise holds Series 6, 63 and 65 securities licenses plus state life and health insurance licenses.

Denise advocates time-tested financial principles, including disciplined, long-term saving and investing, careful debt management, and a thoughtful insurance strategy to manage financial risk. Through a values-centered approach to financial planning and a client-first philosophy, Denise is committed to helping her clients plan confidently for the future and to accompany them on their financial journey.

Having witnessed the financial difficulties resulting from misunderstanding or not understanding the impact of financial decisions, Denise is committed to helping others prepare for their own financial well-being as well as the ones they love.

Denise received the Exemplar Award for community service in 2018. She is a member of the Hampton Roads Chamber of Commerce, past Secretary/Treasurer of Virginia Beach Community Development Corporation, current Treasurer of YWCA, current director and past Treasurer of Second Act Communities, and Allocations Panelist for the United Way of South Hampton Roads; Denise is married with two children. She enjoys playing tennis, Pilates and spending time with her two granddaughters, Gabby and Alli.