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                                    Howard Headshot

                                    Howard Allen Brown

                                    Associate

                                    Howard is a Financial Advisor and Licensed Agent and takes great pride in best serving the interests of his clients. He was born in the Greater Atlanta area and moved to the Tampa area in his early 30's to continue his career in financial services. Howard is married to his wife Joclyn and they are active fitness enthusiasts. They enjoy any active fitness activities not limited to long walks with their two dogs, Jax and Dug. Joclyn joined Howard in the financial services industry in August of 2024 to better serve the needs of their clients. In Howard’s first year in financial services, he paid for 185 life cases. He joined Crystal Clear Financial Group to offer holistic Financial Planning to his clients.

                                    Mobile Phone: 352-515-7741

                                    Disclosure

                                    Kyle Jones is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, IN, MI, NY, PA, and SC. No insurance business may be conducted outside the states referenced.

                                    Kyle Jones is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 518-424-6052. In this regard, this communication is strictly intended for individuals residing in the states of DC, FL, IN, MN, NY, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Kyle Jones is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of DC, FL, IN, MN, NY, and TX. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Joseph Caiello is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CO, FL, HI, IN, MA, MD, ME, NC, NH, NJ, NY, OH, PA, SC, TN, TX, VA, and WA. No insurance business may be conducted outside the states referenced.

                                    Joseph Caiello is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 315-449-8647. In this regard, this communication is strictly intended for individuals residing in the states of AR, AZ, CA, CO, CT, DE, FL, GA, HI, IN, MA, MD, ME, NC, NH, NJ, NY, OH, PA, SC, TX, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Joseph Caiello is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AR, AZ, CA, CO, CT, DE, FL, GA, HI, IN, MA, MD, ME, NC, NH, NJ, NY, OH, PA, SC, TX, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

                                    The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                                    Andrew Schaffel is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CO, CT, FL, GA, HI, IL, MA, MD, NC, NJ, NY, OH, OK, PA, SC, TN, TX, VA, and WA. No insurance business may be conducted outside the states referenced.

                                    Andrew Schaffel is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 315-449-8600. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CO, DE, FL, HI, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, SC, TX, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Andrew Schaffel is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, CA, CO, DE, FL, HI, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, SC, TX, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Michael Kasch is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, NC, NJ, NY, PA, SC, TN, and TX. No insurance business may be conducted outside the states referenced.

                                    Michael Kasch is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 315-439-7793. In this regard, this communication is strictly intended for individuals residing in the states of FL, NC, NY, OH, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Michael Kasch is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of FL, NC, NY, and OH. As such, these services are strictly intended for individuals residing in the states referenced.

                                    David Marshall is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CO, FL, MA, NJ, NY, OH, PA, and TN. No insurance business may be conducted outside the states referenced.

                                    David Marshall is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214, 315-445-4993. In this regard, this communication is strictly intended for individuals residing in the states of NJ, NY, and OH. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Craig Nelson is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CT, FL, GA, MA, NC, NJ, NY, and PA. No insurance business may be conducted outside the states referenced.

                                    Craig Nelson is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 9273 Kellogg Rd, New Hartford, NY, 13413, 315-790-5599. In this regard, this communication is strictly intended for individuals residing in the states of AZ, FL, MA, NC, NJ, NY, PA, VA, VT, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Craig Nelson is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, FL, MA, NC, NJ, NY, PA, VA, VT, and WA. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Heath Houston is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AL, AR (AR Insurance License #9652437), CA (CA Insurance License #0K25071), ME, MO, MS, NC, TN, and TX. No insurance business may be conducted outside the states referenced.

                                    As a New York Life Agent, Heath Houston is licensed and authorized to offer insurance in California and Arkansas, but Crystal Clear Financial Group may not be. For additional information on licensure status, please click here for California and/or click here for Arkansas.

                                    Heath Houston is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2084 Old Taylor Road Suite 106 University Office Park, Oxford, MS, 38655. In this regard, this communication is strictly intended for individuals residing in the states of AR, CA, GA, MS, NC, TN, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Heath Houston is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AR, CA, GA, MS, NC, TN, and TX. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Michael Caputo is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of GA, MA, MS, NY, PA, TN, TX, VA, and WA. No insurance business may be conducted outside the states referenced.

                                    Michael Caputo is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 5788 Widewaters Pkwy Ste 2, Syracuse, NY, 13214. In this regard, this communication is strictly intended for individuals residing in the states of CT, ME, MI, MS, NC, NJ, NY, OH, PA, TX, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Anna Mpinga is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CT, FL, MN, MO, NY, TX, VA, and WA. No insurance business may be conducted outside the states referenced.

                                    Anna Mpinga is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 777 Main St Ste 3800, Ft Worth, TX, 76102, 315-373-8479. In this regard, this communication is strictly intended for individuals residing in the states of MN, MO, NY, TX, VA, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Kevin Wong is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of HI, and NV. No insurance business may be conducted outside the states referenced.

                                    Howard Brown II is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, GA, IN, NC, NJ, NV, NY, OH, RI, TN, and TX. No insurance business may be conducted outside the states referenced.

                                    Howard Brown II is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 3000 Bayport Dr Ste 1100, Tampa, FL, 33607. In this regard, this communication is strictly intended for individuals residing in the states of FL, GA, NC, NY, OH, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Howard Brown II is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of FL, GA, NC, NY, OH, and TX. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Rocco Leone is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of NC, NJ, NY, SC, and VA. No insurance business may be conducted outside the states referenced.

                                    Rocco Leone is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 209 High Point Dr Ste 310, Victor, NY, 14564, 585-248-6795. In this regard, this communication is strictly intended for individuals residing in the states of NC, and NY. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Tom Nelson is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, FL, NY, and TX. No insurance business may be conducted outside the states referenced.

                                    Tom Nelson is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 9273 Kellogg Rd, New Hartford, NY, 13413, 315-790-5599. In this regard, this communication is strictly intended for individuals residing in the states of NJ, and NY. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Braden Draggoo is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AK, AL, AZ, CA (CA Insurance License #0H19257), CO, FL, HI, ID, KY, MA, MD, MI, MN, MT, NC, ND, NE, NV, NY, OR, PA, TN, TX, VA, WA, and WY. No insurance business may be conducted outside the states referenced.

                                    As a New York Life Agent, Braden Draggoo is licensed and authorized to offer insurance in California, but Crystal Clear Financial Group may not be. For additional information on California licensure status, please click here.

                                    Braden Draggoo is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 1301 Walla Walla Ave Ste A, Wenatchee, WA, 98801, 509-888-4345. In this regard, this communication is strictly intended for individuals residing in the states of AK, AL, AZ, CA, CO, DC, FL, HI, ID, IL, MA, MD, MI, MN, MS, MT, NC, NE, NH, NJ, NV, NY, OR, PA, SC, SD, TN, TX, VA, WA, WI, and WY. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Braden Draggoo is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AK, AL, AZ, CA, CO, DC, FL, HI, ID, IL, MA, MD, MI, MN, MS, MT, NC, NE, NH, NJ, NV, NY, OR, PA, SC, SD, TN, TX, VA, WA, WI, and WY. As such, these services are strictly intended for individuals residing in the states referenced.

                                    Braden Draggoo is a Member Agent of The Nautilus Group®, a service of New York Life Insurance Company.

                                    The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                                    Kyle Strife is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, FL, HI, NC, NJ, NY, PA, TN, TX, UT, VA, and VT. No insurance business may be conducted outside the states referenced.

                                    Kyle Strife is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 45 Prospect St, Honolulu, HI, 96813, 808-829-0515. In this regard, this communication is strictly intended for individuals residing in the states of AZ, FL, HI, NC, NJ, NY, PA, TN, TX, UT, VA, and VT. No offers may be made or accepted from any resident outside the specific states referenced.

                                    Kyle Strife is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AZ, FL, HI, NC, NJ, NY, PA, TN, TX, UT, VA, and VT. As such, these services are strictly intended for individuals residing in the states referenced.

                                    The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

                                    Crystal Clear Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.​

                                    Neither Crystal Clear Financial Group nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​

                                    For more information about NYLIFE Securities LLC and its investment professionals.

                                    Click here
                                    Crystal Clear Financial Group, LLC logo
                                    • ABOUT
                                      • Our Team
                                        • Our Process
                                        • OUR SERVICES
                                          • Fee Based
                                            • Retirement Planning
                                              • Wealth Management
                                                • Employee Benefits
                                                  • Brokerage Services
                                                    • Insurance Solutions
                                                      • Estate Planning
                                                        • Donor Advised Fund Accounts
                                                        • RESOURCES
                                                          • Calculators
                                                          • SPECIALIZING/EXPERTISE
                                                            • Physicians
                                                              • Business/Franchise
                                                                • Engineers/Technical
                                                                  • Pre-Retirees/Retirees
                                                                  • PHILANTHROPY
                                                                    • CONTACT

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