Howard entered the financial services profession in the late 1970`s. Since then he has seen many different markets and has developed a specialty working with retirees and those about to retire. He has taught adult education in New York, at Briarcliff College and Hofstra University and in Florida at the University of Miami and Florida International University’s Elder Institute. The focus of these classes was to show a pre and post retiree how to help lower the overall risk of their assets, how to help avoid common mistakes and how to potentially increase their income in retirement. In 1987 he started his own firm, Integrated Financial Services, in Uniondale, New York, which specializes in "Retirement Management". Retirement Management deals with the financial and non-financial concerns of retirees. This allows Howard to use his experience and expertise to help guide seniors in their investment planning, insurance planning and life planning.

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In 1995 his son Ira joined him. In 1996 Ira started Integrated Financial Designs, Inc. in Southern Florida which held monthly workshops in Boynton Beach.  

Separately, Howard is registered to offer securities. He is also licensed to sell insurance products. He is a member of the Financial Planning Association and a member of the Financial Services Institute. In 2005 Integrated Financial Services and Integrated Financial Designs, Inc merged into Materetsky Financial Group, Inc.

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Howard shares his dual residency with his wife Rolene, spending half their time in New York and the other half in Florida. This allows Howard to accommodate his clients in both states. One son, Ira, is his partner and his other son Steven is a pediatrician in New Jersey. Howard has three grandchildren, Michael, Olivia and Sam.