Saundra Howard,

Saundra has served Independent Bank clients for more than 25 years, including seven years in banking and the past 18 years in investment and financial planning. She serves clients throughout Eaton, Ionia, and Montcalm Counties and holds the Certified Wealth Strategist (CWS®) designation, Michigan Life and Health insurance license, and FINRA Series 6, 7, 63, and 66 registrations. She focuses on comprehensive financial planning, investment management, retirement strategies, and inheritance planning.

Saundra partners with individuals and families to help them make informed financial decisions with confidence. Her approach is educational, personalized, and goals-based. She takes pride in simplifying complex financial topics, helping clients organize their finances, and developing strategies that adapt as their needs and goals change. Known for her approachable style and commitment to client service, she builds lasting relationships founded on trust.

Outside of work, Saundra enjoys running, shopping, traveling with her husband, Mike, and their two daughters, and spending time with their two dogs. She believes meaningful relationships are built on trust, communication, and genuine care—values that shape both her personal life and the way she serves every client.