About Harold Howell

Harold Howell is a principal of Risk Solutions Incorporated and has been an insurance advisor & consultant for 26 years.  Harold has served as an instructor for Continuing Education Courses and has written articles in multiple business news publications.  He studied Aviation Operations and Business Administration at San Jose State University that included 4 years with the US Air Force Reserve Officer Training Corps.  Howell graduated from Officer Field Training (McClellan Air Force Base) in the top 25% of his class and was awarded the Excellent Performance Award as well as the General Dynamics Officer Candidate of the Year Award.


Harold’s insurance career began in the heart of the Silicon Valley in 1993.  Consulting services included initial set-up of basic insurance and risk management programs to underwriting and administering self-funded risk management programs.  In 1998, Harold was selected to lead an industry specialty team in San Diego for J&H Marsh & McLennan (predecessor of Marsh). In 2002, Howell was tapped to direct the Southern California risk consulting and insurance placement operation for the NASDAQ Stock Market.  Through two acquisitions, Howell’s team eventually transferred to Wells Fargo Insurance Services.  Past & present clients include Grubb & Ellis, The Colorado Avalanche, The Denver Nuggets, Petty Enterprises, Stewart Haas Racing, SpaceDev, Enova Systems, SYS Technologies, COMSAT (now Lockheed Martin), DivX Networks, On Command Video, and the Outdoor Channel.


In 2006, Harold Howell was a key member of the new Wells Fargo Insurance Services operation in Charlotte, NC.  The subsequent merger with Wachovia in 2009 created other intriguing opportunities, including the creation of Howell Insurance Consulting Group, Inc. (predecessor to Risk Solutions Inc).   Howell is well-versed in master property programs, layered insurance programs, Captive Insurance Company implementation and alternative insurance funding.


Community Leadership

  • Salvation Army of Greater Charlotte – Board of Directors 2008-2011


  • Boys & Girls Clubs of Greater Charlotte – Chairman 2008-2011

    • Awarded Top New Board Member in the State - 2010

    • Awarded Top Board Team 2010 & 2011 for the State of North Carolina

    • Board Member 2006-present


  • Boys & Girls Clubs of Union County – Inaugural Chairman 2012-2013

    • Board Member 2012-present


  • Ballantyne Rotary Club 2006 to present

    • President 2009-2010

    • Board Member 2007-present

    • Paul Harris Fellow


  • Ocean Rescue USA – Co-founder & Advisor