Stephen Howles

Stephen Howles is Managing Director and Executive Financial Advisor at Modern Wealth Management, based in Rochester, NY, where he focuses on comprehensive wealth advisory services that help clients navigate market changes, tax strategies, and evolving personal financial goals. Following the acquisition of Beltz Ianni & Associates by Modern Wealth in 2024, he joined the firm alongside his retirement plan services team, extending Modern Wealth’s capabilities in retirement plan management and advancing its client-first culture.

His expertise spans company retirement plans, 401(k) solutions, corporate retirement strategies for small to midsize sponsors, and investment management for high-net-worth individuals, reflecting a specialty in retirement assets and wealth advisory services. Stephen’s client base includes families and business owners seeking retirement plan solutions and long-term wealth strategies, making him a key figure in Modern Wealth’s drive to provide end-to-end financial planning and investment solutions.

Stephen began his career in finance in 2007, progressing to Partner at Beltz Ianni & Associates prior to its merger with Modern Wealth, and earning leadership responsibilities with a focus on investment management and retirement planning. He holds a B.A. in History from the University of Buffalo and an M.S. in Finance from Rochester Institute of Technology, underpinning his deep knowledge of financial theory and economics. He is also a board member of the Rochester Childfirst Network and a member of the Estate Planning Council of Rochester, demonstrating his commitment to industry and community leadership.