The Practice Our objective is to give independent brokers access to the support and resources they need to help their clients achieve financial security in a complex and constantly changing world. As such, we work directly with you to design strategies that help your clients achieve what is important to them.With your assistance, we can conduct a thorough audit of your clients’ present financial situations so together we can gain a clear understanding of where they stand. This is combined with your knowledge of what their objectives are for themselves, their families and their businesses. In the end, we are able to work with you to develop a solution that solves one or more of your clients’ challenges.Our goal is to help you offer your clients quality insurance, investments’, estate analysis, college education planning, retirement planning and asset allocation knowledge, strategies and services in the industry.Howard Cowan is also available to serve as a consulting or testifying expert witness in insurance litigation for either insurance earners or insurance agents/brokers**. With over 40 years in the insurance industry -serving as an agent, manager, and General Agent who has been responsible for hiring, training, recruiting, and managing - his expertise will allow him to provide the hands-on experience needed to understand your case and offer guidance. Cases can involve Life Insurance. Disability Insurance, Life underwriting, contracts, company practices and training, agent/broker duties, coverage disputes, and claims handling.Copyright© 2010 Cowan Financial Group. All rights reserved.’Securities, investment advisory and financial planning services offered through qualified Registered Representatives of MMLInvestors Services. Inc. member SIPC. Supervisory Office: 530 Fifth Avenue, 14th Floor New York, NY 10036. Tel: (212) 5J6-6000Insurance offered through Massachusetts Mutual Life Insurance Company and other fine companies.** Howard B. Cowan does not act as an expert witness on behalf of Massachusetts Mutual Life Insurance Company of MML Investors Services Inc.