Howard is a graduate of the Wharton School of Business of the University of Pennsylvania and has been a CPA since 1993. After starting his career with Big Four accounting firm Deloitte, he went on to become a business manager and director in the Investment Banking Division of Citigroup, where he spent 15 years. After leaving investment banking, Howard built a successful consulting and tax practice in Frisco, Texas, focused on owners of closely held businesses. He is also a Registered Investment Advisor and Advisor Partner at 7th Harvest Investments. Since 2012, Howard has been a senior financial advisor to the world’s leading experts on patent monetization and is currently involved in a project that will create a global patent marketplace using blockchain technology. Howard spent three years living in Argentina and enjoys traveling with his wife and business partner Marianne Goodman. Through his fluency in Spanish and interest in theology, he translated “On Heaven and Earth,” the first book to be published by Pope Francis in English following his papal inauguration.