"You were a lifesaver for me. I don’t think you knew how much you helped me. I can’t even tell you how calming your presence and even your voice is. I’m usually a very optimistic person, but when I became a widow, I felt so lost. I didn’t have a clue. I still hoped things would be fine, but I didn’t know how they would be fine. That’s what you helped me understand… that I would be OK."
Grace K. – Widowed Client
"Howard has been a great partner in teaching me how to manage my finances. He has shown me great options for investing for my future. His knowledge and experience in financial planning is definitely helping me feel more secure about my future plans. I definitely came to him in a time of need. I saw how he well took care of me as a recent widow, and I'm sure other widows will be in good hands with him and his team as well."
Athena U. - Widowed Client
" For the two of us, working with Transitions Financial has always been all about who Howard is as a person. We know him as a man of real integrity. He’s also the kind of guy that people just enjoy talking to. We are really happy with our many years of work together and we highly recommend him for anyone with financial planning or investment needs."
Cheryl and Chris P. – Married Clients
"After my husband unexpectedly passed away, I was scared and asked Howard to work with me to build a financial plan to feel more secure and positive about the future. I was so impressed at the depth of Howard’s knowledge, plus his care and compassion. I felt heard, and frankly it was also terrific therapy! His plan helped reduced my anxiety and gave me more hope! feel confident now and really value his work and friendship. I recommend him for caring financial planning! "
Kim K. - Widowed Client
"I enjoy our meetings. Sometimes it feels like we are doing financial therapy alongside our financial planning. I always feel enhanced by each visit."
Jonathan K. - Retirement Planning Client
"Howard Rubin has been my financial advisor for 6 years. He always asks me the right questions, listens deeply and helps me focus on what’s important to me. I can get worried sometimes and wonder if I’m doing OK. When I speak to Howard, he explains everything in a way I understand, and I feel empowered. For a woman like me, managing my retirement investments is about more than just the money; It’s about organizing and taking control of my life. Howard and Minna at Transitions Financial handle me with such great care. It’s wonderful having them on my team."
Kathi W. - Retirement Planning Client
"Howard Rubin has guided us, with great patience, on course for a retirement situation to accomplish potential we never could have imagined. He is excellent at listening to what we would like for our retirement, has never been judgmental, and has always given us great advice and management of our retirement money. I trust him fully to help us with our goal of a comfortable and prosperous retirement."
Kevin C. – Retirement/Life-Long Income Planning Client
"Our first conversations were about what my dream life, if I could have what I really wanted, would look like. It was for us to understand how my money could be set up to support that vision. He has helped me work backwards into today, and begin making my dreams a reality, sooner rather than later. I am so grateful for the investment choices he offered that are such a great fit. Howard is a gem, a one-of-a-kind human, a magician, literally and figuratively, and he is spiritually sound, fit and grounded. Anyone moved to hire him would undoubtedly feel safe and cared about and lucky beyond measure. "
Jo S. - Financial Life Planning Client
"Howard’s work was defined by trust, integrity, and genuine care. He is a fiduciary financial advisor who looks out for his client’s best interests with remarkable empathy and consistency. He brought expertise and heart — protecting, guiding, and empowering me. His depth of financial knowledge is communicated with clarity and compassion. He helped me, as a widow, find calm and confidence in the midst of uncertainty. He listens deeply, explains things clearly, and helps clients feel reassured and understood. I know how rare and meaningful that kind of presence is; Howard Rubin embodies it fully."
Michele D. K. - Widowed Client
"You were referred to me to help with my inheritance after my Aunt died and you did help me so much! Then, after my husband passed away, you were there for me again. Whenever I needed you, I could always just pick up the phone. You were always very kind, and you listened. The investments you have set up make such a big difference in the extra assets I will be able to leave for the people I love. You have given me so much more peace and security. You’ve become a trusted friend."
Carol V.- Inheritance & Widow Client
"Howard, you have been better than a friend. You helped me through a lot of really hard times. I could never have hoped for somebody to be so there for me. I knew I could call you whenever I needed you and you would always answer my call and you never once put me aside as if I didn't matter. You taught me a lot about how my finances were going, and how I could make my investments grow well, but still feel safe. Thank you for everything!"
Katherine H. - Widowed Client
"When I lost my husband, I needed so much help to understand how to structure all of my investments so that they can give me the income I will need for my life. Howard helped me set things up so that I could make me more money but still safeguard what I had. Howard took so much weight off my shoulders by figuring this all out with me. I trust what he tells me and the way he has managed my money."
Ruth P. - Widowed Client
