Howard Barnett

Howard Barnett

    • President
    • Accredited Asset Management Specialist
    • Chartered Retirement Planning Counselor

    As a professional in the financial services industry since 1991, Howard Barnett has proven his dedication to his clients. Howard uses his wide range of work and life experiences to help his clients achieve their financial goals.  His ability to make people feel comfortable has proven a valuable resource to assist clients in assessing their financial needs and personal goals.  His people skills were honed in his youth where he grew up in a retail family business environment.  At age 22 he with a partner opened the first of several retail consumer electronics stores.  The knowledge gained in his own business, combined with the executive position he held at Crutchfield Corporation (one of the most successful online, mail order/retail consumer electronics companies in the country) gives him a unique first-hand perspective in analyzing companies and the financial service needs of individuals, business owners and professional practitioners (i.e. realtors, attorneys, dentists, physicians, etc.)  Howard was selected for the “Small Businessman” award from the Nevada Small Business Development Center (1987).   

    Prior to opening Barnett Financial Group in December 2004, Howard gained extensive financial experience servicing as an Account Vice-President at Wheat First Securities/Wheat First Union (a predecessor firm of Wells Fargo Advisors), and UBS/Paine Webber Financial Services.

    Born and raised in Paterson, New Jersey, Howard received his BA from Rutgers University(New Brunswick, NJ) in 1976. Graduate level Accounting and Business Management classes continued Howard’s formal schooling.  His professional designations include: Series  7, 24, 63, and 65 securities registrations, life/health/ annuity/insurance licenses, AAMS® , CRPC®  (Chartered Retirement Planning Counselorsm -administered through the College for Financial Planning), and he is a graduate of the Financial Planning Institute. Howard previously served over 10 years on the board of directors for Junior Achievement of Central Virginia, and he volunteered in Charlottesville and Albemarle County middle and high school classrooms as a Junior Achievement mentor and consultant.

    Howard spends his personal, non-family time playing basketball and exercising at a local health club. He is a competitive amateur bowler and also keeps active in music, a lifetime avocation, with his band, the Mid-Life Crisis Band of Charlottesville, performing at many local venues and for non-profit organizations.  Howard and his wife, Beth, have been married for over 40 years and enjoy their three sons and two granddaughters.


    • Rutgers University


    • English
    Tracy Campbell

    Tracy Campbell

      • Administrative Assistant
      Tracy Campbell's dedication in the financial services industry has been proven with exemplary client service.  Born and raised in Charlottesville, Tracy’s career began at Wheat First Securities in 1994.   As Howard’s assistant since 1995, she has worked with him at Wheat First (and its successor firms), and UBS/Paine Webber, and now Barnett Financial Group, since inception.

      Balancing her career, Tracy has participated in Wells Fargo Advisors Financial Network’s Envision®  training workshop, and is now in the process of studying for her Series 7 securities registration.  Tracy’s pleasant professional demeanor and strong work ethic embody Barnett Financial Group’s caring and commitment to their clients’ success.

      In her off hours, Tracy enjoys being spending family time camping, antique shopping and gardening.


      • English

      Heather Munoz

        • Marketing Associate
        Heather joined our team January 2017. Bringing with her over 14 years of experience in customer service and marketing, Heather assists in providing superior customer service to our clients.

        Heather received her degree in business management from VCU in 2002. Her position allows her to combine her experience in customer service with a career helping others meet their financial goals.

        In her free time she enjoys spending time with her family, hiking, cooking, and yoga.