Connie Howard
What-If Wealth
Founder, What-if Wealth
(303) 810-2938
connie@what-ifwealth.com
http://what-ifwealth.com
About: Connie has spent more than 35 years building and leading businesses, much of that time in start-up and early-stage companies. A large part of her career focused on statistical modeling—working with massive data sets to understand how different choices lead to very different outcomes. Along the way, Connie also built and led large teams, hiring, training, and coaching over a thousand people. That work taught her how powerful clarity and good decision-making can be, especially in moments of uncertainty. That perspective became deeply personal when she started thinking about how we make financial decisions during major life transitions. Traditional financial plans never answered the questions that actually mattered to her—the what ifs. What if circumstances change? What if income shifts, housing decisions change, or priorities evolve? Connie wanted a way to explore options side by side, in real time, and to understand the consequences before making irreversible choices. Divorce is one of those moments where the stakes are high, emotions run deep, and decisions can shape decades of future life. She built What-If Wealth to bring clarity to exactly those moments—to help people move from overwhelm to understanding, and from fear to informed choice. At its core, this work is about giving people back a sense of control and confidence when they need it most.
Services: “I help people navigate the financial uncertainty of divorce by giving them clarity, confidence, and control over their choices. Through the Wealth Lab, a guided decision-making process powered by scenario-based financial modeling, clients can safely explore “what-if” questions in real time—such as housing decisions, support scenarios, income changes, and long-term affordability—before making irreversible choices. Rather than a static financial plan, the Wealth Lab allows clients to compare multiple outcomes side by side, helping them understand how different paths affect cash flow, net worth, and future stability. This is especially valuable during divorce, when decisions are emotionally charged and the consequences can last for decades. My work complements attorneys, mediators, and therapists by bringing financial clarity into the process. The goal is not to tell clients what to do, but to help them see their options clearly, reduce fear, and make informed decisions that support both their immediate needs and long-term well-being.”
Connie’s Why: “Divorce often requires people to make life-shaping financial decisions at a time when they’re emotionally overwhelmed and unsure of the future. I’m passionate about helping people through this transition because I’ve seen—both professionally and personally—how clarity changes everything. When people can see their options clearly, fear gives way to confidence, and decisions become intentional rather than reactive. Helping someone move from uncertainty to understanding, and regain a sense of control during one of life’s most difficult moments, is what drives my work.”
How To Work With Connie: Virtually, In-Person across the US
What Her Clients Are Saying:
“I am incredibly grateful for the support and expertise I received from Connie during a very challenging period in my life. As I began the process of divorce, Connie helped me thoroughly analyze my financial situation and provided clear, actionable guidance that brought much-needed clarity and peace of mind. Prior to being introduced to Connie, I had had a negative experience with a different financial consultant who I had hired to help me financially prepare for my divorce. My experience with Connie was entirely different and amazing! Her compassion and her nonjudgmental approach made me feel listened to and understood. She was very thorough in the information she provided to me as well as her explanation of my report. Connie’s work has helped me feel extremely empowered and much more confident navigating the next steps in my journey. I highly recommend Connie to anyone seeking knowledgeable and caring financial guidance during difficult times.”
