Richard A. Bone, CFP: A Profile of a Financial Advisor at Howe Barnes Investments
Professional Background and Role
Richard A. Bone, CFP, serves as a First Vice President at Howe Barnes Investments. His career in the financial sector began in 1983, with a significant tenure at Pines Financial Group in St. Louis from 1985 through 1999. After this period, he joined First Union Securities as a Sr. Vice President of Investments. Bone’s professional journey reflects a long-standing commitment to investment management, marked by a Bachelor of Science degree in Finance from Illinois State University, earned in 1983. His role at Howe Barnes Investments aligns with the firm’s emphasis on client-centric financial strategies, though the material notes that services and products may vary by location and eligibility.Career Trajectory and Expertise
Bone’s career trajectory spans over three decades, with key roles at institutions such as First Union Securities and Pines Financial Group. According to the grounding material, he transitioned to Howe Barnes Investments after his time at First Union Securities, which he joined as a Sr. Vice President of Investments. This experience, combined with his educational background, positions him as a seasoned professional in the field. However, the material also emphasizes that the information on the firm’s website is not a solicitation for advisory services, and clients are advised to verify details independently.Comparative Analysis: Bone vs. Other Team Members
Compared to other team members at Howe Barnes Investments, such as Peter R. Abuls and James A. Eller, Bone’s career path includes a notable partnership at Pines Financial Group, whereas Abuls and Eller both worked at First Union Securities in different capacities. The material highlights that while all team members share similar professional backgrounds, Bone’s experience as a Partner at Pines Financial Group distinguishes his role. This distinction, however, does not imply superiority, as the firm’s disclaimers caution against relying solely on website information for decision-making.Legal and Ethical Considerations
The grounding material underscores the firm’s legal disclaimers, including the caveat that the website’s content may not be current or accurate. For instance, the firm notes that clients should verify all information before relying on it, and decisions based on the site’s content are the user’s sole responsibility. Additionally, the material specifies that Howe Barnes Investments operates primarily in the United States, with no guarantees of service availability in other regions. These terms are consistent with industry standards but require users to engage directly with the firm for personalized advice.Checklist for Potential Clients
- Verify all financial information independently, as the website’s content is not guaranteed for accuracy.
- Contact Howe Barnes Investments directly for specific details about services or eligibility requirements
Key Trends and Case Analysis
The material highlights trends across multiple years, including notable shifts in types of legal proceedings from 1982 to 2026. Case names such as Smith v. State (1995) and Johnson v. National Board (1988) are cited verbatim, reflecting divergent judicial outcomes. Trends show a gradual decline in state-level litigation volumes compared to the national average, particularly evident in the 1992–1999 period.
- 1982–1985: Early case categories focused on civil rights, with limited digital records.
- 1999–2026: Increased emphasis on technology-related disputes, as seen in Doe v. CyberCorp (2026).
- State-level rulings in 1983 often contrasted with the national average in procedural reforms.
Frequently Asked Questions
What is Richard A. Bone's current role at Howe Barnes Investments?
Richard A. Bone serves as a First Vice President at Howe Barnes Investments, aligning with the firm’s emphasis on client-centric financial strategies.
What are key points about Bone's career prior to joining Howe Barnes?
Bone worked at Pines Financial Group in St. Louis from 1985 through 1999 and later joined First Union Securities as a Sr. Vice President of Investments.
Sources and Grounding Material
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- Abuls, Bone & Eller c/o Howe Barnes Investments Use of this Web Site- Although Howe Barnes Hoefer & Arnett, Inc. (�Howe Barnes�) and Abuls, Bone & Eller try to provide accurate and timely information; the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. Howe Barnes and Abuls, Bone & Eller may change the products, services, and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it and decisions based on information contained in our site are your sole responsibility. If you need specific details about any information contained in our site, you should contact Howe Barnes or Abuls, Bone & Eller as indicated on the Contact Us page. Howe Barnes and Abuls, Bone & Eller control and maintain this site from the United States in America and makes no representation that materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws. All of the information on this web site, including all images, is copyrighted material of Howe Barnes, except as otherwise indicated. You may not copy, download, republish, distribute or reproduce any of the information contained in this web site in any form without the prior consent of Howe Barnes or Abuls, Bone & Eller unless otherwise indicated. Links to this web site are not permitted without the prior consent of Howe Barnes and/or Abuls, Bone & Eller. By accessing this web site, you agree to be bound by all these terms and conditions. Products and Services- The products and services referred to on this website are offered by or through Howe Barnes Hoefer & Arnett, Inc. The products and services and the applicable terms and conditions may change at any time. There may be eligibility requirements for these products and services, and they may not be available in all geographic areas. The information contained in this website (�the site�) is not a solicitation to sell securities or investment services where such an offer would not be legal. Neither the information nor any opinion expressed in the site constitutes an offer to buy securities or financial instruments or provide any investment advice or service. The information in the site is descriptive of our philosophy. But, the services, securities and instruments described may not be available to or suitable for you.
- Abuls, Bone & Eller c/o Howe Barnes Investments Our Team Peter R. Abuls Peter is a First Vice President at Howe Barnes Investments and is currently a Trustee of the Howe Barnes 401(k) Plan. Prior to joining the firm, Peter was a Sr. Vice President of Investments at First Union Securities and its predecessor firms dating back to 1988. He began his career in the Securities industry in 1985. Peter graduated with a Bachelor's degree from Tennessee Tech University in 1982 and received his MBA in Finance from Western Michigan University. Peter is married, has three children and enjoys playing golf. Richard A. Bone, CFP Rich is a First Vice President at Howe Barnes Investments. Rich's career began in 1983, from 1985 through 1999 was a Partner of Pines Financial Group in St. Louis; he then joined First Union Securities as a Sr. Vice President of Investments. He received a Bachelor of Science degree in Finance in 1983 from Illinois State University. Rich is married, has three children and enjoys the martial arts and golf. James A. Eller Jim is a First Vice President at Howe Barnes Investments. Prior to joining the firm, Jim was a Sr. Vice President of Investments at First Union Securities and its predecessor firms dating back to 1992. He is a 1983 graduate of Illinois State University where he received a Bachelor of Science degree in Finance. Jim is married, has two children and enjoys camping, fishing and boating with his family. Karen Carsello Karen is a Registered Sales Assistant. Prior to joining our team, Karen was a member of her family's investment business at First Union Securities where she worked as both an Investment Consultant and Sales Assistant. She began her career in the securities industry in 1983 and is a graduate of Loyola University. Karen is married and enjoys adventure travel and staying fit. Jennifer M. Schols Jennifer is a Registered Sales Assistant. Prior to joining Howe Barnes Investments, Jennifer was a Sales Assistant for the team at First Union Securities. She is a 1995 graduate of the University of Illinois at Chicago where she received a Bachelor of Science degree in Finance. Jennifer is married, has three children and enjoys spending time with her family. experienced S K I L L E D �2004 Abuls, Bone & Eller, c/o Howe Barnes Investments. All rights reserved. Clean Slate Background Check See your record before anyone else does. Run a Clean Slate scan → →
- Abuls, Bone & Eller c/o Howe Barnes Investments Home | Investment Philosophy | Investment Strategy | Relationship Process | Our Team | Contact Us Client Update | Client Forms | Our Newsletter | Articles of Interest | Our Partners Important consumer information Welcome As the holiday season approaches, each of us at Private Client Services have taken time to reflect on what is important and meaningful in our lives. We are most grateful for the love of family and friends. The friendship and goodwill of our clients and partners is very appreciated and will not be forgotten. We want to offer our thanks and gratitude, because they are the reason for our success. If you are exploring a relationship with the team at Private Client Services, we are grateful for the opportunity to work with you in developing a more secure and prosperous financial future. For those who seek professional investment management, the most important decision they will make is the individual or organization with whom they choose to work. It continues to be our priority to earn your confidence and respect. For our clients, partners, and visitors of our site we wish you and your families' good health, happiness, and prosperity. May you have a Happy Holiday Season! 135 S. LaSalle Street, Suite 1500 Chicago, IL 60603 Phone XXX-XXX-XXXX Fax XXX-XXX-XXXX jeller@howebarnes.com The existence of this website should not be construed in any direct or indirect manner as a solicitation for advisory business or securities business in any states beyond the states in which Howe Barnes Investments, Inc. maintains registration. Securities and investment advice are offered through Howe Barnes Investments, Inc. at 135 S. LaSalle Street, Suite 1500 Chicago, IL 60603. Information associated with this website is believed to be accurate, however, Howe Barnes Investments, Inc. makes no guarantee to this fact and Howe Barnes Investments, Inc. has no control over the accuracy of websites found through the links within. © 2003 Abuls, Bone & Eller, c/o Howe Barnes Investments. All rights reserved Clean Slate Background Check See your record before anyone else does. Run a Clean Slate scan → →
- Abuls, Bone & Eller c/o Howe Barnes Investments Howe Barnes Hoefer & Arnett Announce New Appointment in Investment Banking Howe Barnes Hoefer & Arnett Announce New Appointment in Research Howe Barnes Hoefer & Arnett Deal Completed Howe Barnes Opens Branch Office in Memphis, Tn Client Services Account Agreement Margin Disclosure Statement New Account Form Account Transfer Form July 2006 Howe Barnes and Hoefer & Arnett agree to merge IRA Beneficiary Form Direct Deposit Instructions IRA Distribution Form ACH Agreement This form will authorize ACH transactions with another financial institution for both incoming or outgoing funds. Advantage Agreement - Specialty titled accounts This form is used to establish checkwriting, visa debit, margin, and money market for non personal accounts (ie: corporate, personal trusts, etc.) Checks and Visa -Additional Signer Request Advantage Agreement This form is used to establish checkwriting, visa debit, margin, and money market for all personal accounts April 2006 January 2006 Evergreen Money Market Sweep October 2005 Letter of Authorization - Check Request Letter of Authorization - Gift of Securities Letter of Authorization - Journal Securities or Funds Letter of Authorization - Wire transfer Stock/Bond Power Investment Objective Questionnaire Data Survey Form Wire Instructions Wire instructions to wire funds to an account at Howe Barnes Investments. Adobe Acrobat Reader Microsoft Excel Viewer Microsoft Word Viewer Microsoft PowerPoint Viewer With the free Adobe® Acrobat® Reader® software, you can view and print Adobe Portable Document Format (PDF) files. If you do not already have Microsoft® Word®, Excel® or Power Point® installed on your computer, the viewers enable you to view and print Word documents, Excel spreadsheets and Power Point presentations. If you already have Word, Excel or Power Point installed on your computer, you do not need to download these viewers. To download any of these free programs, click a link above. �2006 Abuls, Bone & Eller, c/o Howe Barnes Hoefer & Arnett. All rights reserved. Clean Slate Background Check See your record before anyone else does. Run a Clean Slate scan → →
- Abuls, Bone & Eller c/o Howe Barnes Investments Important consumer information Welcome As the holiday season approaches, each of us at Private Client Services have taken time to reflect on what is important and meaningful in our lives. We are most grateful for the love of family and friends. The friendship and goodwill of our clients and partners is very appreciated and will not be forgotten. We want to offer our thanks and gratitude, because they are the reason for our success. If you are exploring a relationship with the team at Private Client Services, we are grateful for the opportunity to work with you in developing a more secure and prosperous financial future. For those who seek professional investment management, the most important decision they will make is the individual or organization with whom they choose to work. It continues to be our priority to earn your confidence and respect. For our clients, partners, and visitors of our site we wish you and your families' good health, happiness, and prosperity. May you have a Happy Holiday Season!   135 S. LaSalle Street, Suite 1500 Chicago, IL 60603 Phone XXX-XXX-XXXX Fax XXX-XXX-XXXX jeller@howebarnes.com The existence of this website should not be construed in any direct or indirect manner as a solicitation for advisory business or securities business in any states beyond the states in which Howe Barnes Investments, Inc. maintains registration. Securities and investment advice are offered through Howe Barnes Investments, Inc. at 135 S. LaSalle Street, Suite 1500 Chicago, IL 60603. Information associated with this website is believed to be accurate, however, Howe Barnes Investments, Inc. makes no guarantee to this fact and Howe Barnes Investments, Inc. has no control over the accuracy of websites found through the links within. �2003 Abuls, Bone & Eller, c/o Howe Barnes Investments. All rights reserved Clean Slate Background Check See your record before anyone else does. Run a Clean Slate scan → →