Tom Howell, ChFC®, CLU®, RICP®, CLTC®

Tom Howell, ChFC®, CLU®, RICP®, CLTC®, is a Partner and Senior Wealth Advisor at Composition Wealth, where he works with individuals and families to develop comprehensive financial plans with a focus on retirement income strategy. He joined the firm in 2026 after more than two decades with Northwestern Mutual and brings extensive experience helping clients navigate the transition into and through retirement.

Tom began his career in financial services in 2000 and has built a practice centered on integrating investments, retirement income planning, and risk management into coordinated, long-term strategies. He holds multiple advanced designations from The American College, including Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®), and Retirement Income Certified Professional (RICP®), reflecting his depth of expertise in holistic financial planning. Over the course of his career, Tom has received several industry recognitions, including the NAIFA Quality Award and the National Quality Award, for his commitment to client service and professional excellence.

Tom earned his degree in Business Administration with a concentration in Finance from the University of Washington. A lifelong Puget Sound resident, he enjoys skiing, hiking, kayaking, and mountain biking throughout the Pacific Northwest.