Meet Our Advisors and Staff



Kristine E. Howell, CFP®, AIF®

Kristine E. Howell is a third generation financial planner who started her career when she was just 18 years old selling life insurance. Her personal story spans decades beginning as a child watching her father meet with people at their dining room table. She was impressed that he was always helping them through good times, as well as the bad ones. His compassion and understanding of each and every client that he met is what drew Kristine into the business.

Kristine's journey took her all over the U.S. as an educator and trainer for new product rollouts for life insurance agents, to becoming Vice President at Citibank in the 80's for the newly established on-line services in the banking industry, to moving back to Detroit in 1992 and joining her dad at Marshall Financial Services, and eventually going on her own in 2003.

Today, the practice has expanded and now includes Kyle Jobin, a well-respected advisor who also began his career as a young man and eventually joined his father's firm in 2004.




Kyle S. Jobin, CFP®, AIF® 

Kyle's career as a Financial Planner began in 2004 when he joined his father's financial firm. In 2009 his father retired giving Kyle full responsibility for the company's operations. This was an especially difficult financial period due to the depth of the recession, but despite the challenges his firm and its clients prospered. His skill and experience during this most difficult period has made him successful in helping JobinHowell clients set strategic goals and achieve them. Now that Kyle has a family of his own, he is putting into practice what he teaches.

Kyle is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a licensed life and annuity insurance agent and holds the Series 7, a Series 63 securities License, and has his AIF® designation as an Accredited Investment Fiduciary®.







Marjorie Monahan, Office Manager & Licensed Sales Associate 

Marj (as everyone calls her) joined our practice in 1996.  As the office manager, sales assistant, and our right hand gal she represents the practice with grace and compassion and has developed close relationships with many of our clients.  Everyone “loves” Marj. 

Marj's ability to make our clients feel comfortable is worth its weight in gold.

Marj holds her Series 6 and 63 Security Licenses, Life and variable annuities License, Associate Degree in General Studies, and Certified para planner from the College of Financial Planning.

Married with two children her son is a guitarist working in California and her daughter ,who is also lives in California, is a student at the Los Angeles Film School.  Marj loves to run, read and camp.




Barbara MikoOffice Assistant 

Barbara joined the staff in 2007, and came to us with 23 years of banking experience.  She understands the financial world and has a speciality in stock transfer and retirement savings. 

Married to a lifelong employee of General Motors Corp. Barb has two daughters. One who has earned her MBA from Grand Valley State University and is currently living and working in Grand Rapids. The other who is a graduate from East Carolina University and is teaching and coaching high school in Alpena, MI.









Jessica Johnson, Administrative Assistant

Jessie started working with us in 2001 as part of a work-study program. She came in after school for a few hours to do data input, filing, and other office functions.  5 years later Jessie started working part time in the banking business where she moved up the corporate ladder to Operations Manager.  After getting her Associate Degree in Business Administration and a general management degree she continued her studies and earned her Bachelors of Science in Business Administration and Management. 

Two years ago Jessie returned to us and is working on her securities licenses to become a financial advisor. Her bright and happy face lights up the room and makes her a wonderful addition to our team.