Howard brings more than a decade of experience as an insurance broker to Threefold, where he has been part of the team since early 2019.

Originally from Wales in the United Kingdom, Howard spent over 25 years in the Royal Marines. A talented musician, Howard played Oboe in the Royal Marines Band for years before retiring from the Marines in 2009 and moving to New Zealand with his family where he spent eighteen months in the New Zealand Navy, based in Devonport.

Once happily settled on the North Shore, Howard turned his attention to insurance. He applies the discipline and work ethic of the Marines to his clients and proudly strives to deliver the best policies and service possible.

Beyond work, Howard is a (long-suffering) Manchester United fan. He loves music, listening to a broad variety of genres, and is the proud father of three children.