About Us

Ralph Steiner, CLU, ChFC

For over four decades, Ralph Steiner built an outstanding financial services practice in Minnesota’s Minneapolis and St. Paul communities.  Year after year, Ralph’s refined business skills and strong work ethic consistently placed him among the elite producers of his industry and his broker dealer.  Ralph’s sales ideas have been published in industry magazines and he continues to be a featured presenter at broker dealer marketing events.

When the time came to transfer his practice to a new owner, Ralph followed the same advice he gave to all his business owner clients; create a succession plan that works for the buyer, the seller and the clients.  After researching the industry literature in depth and carefully applying what he learned, Ralph located the right buyer for his practice and established a transition plan that assured customers would remain with the new owner.

His own experience set the stage for Ralph to launch Transition Brokers, a niche business that helps financial services professionals sell their practices at retirement, death or disability.


Edward L Howat, Jr., CLU, ChFC, LUTCF, RCC

Ed Howat has been a sales trainer and coach for the past 16 years.  His primary focus today is coaching financial advisors, internal and external wholesalers, and sales managers.

Ed started his career with Northwestern Mutual as a Special Agent and then moved to sales management as a District Agent.  After 12 years with Northwestern Mutual, Ed became a financial advisor and was associated with Planners Financial Services, Inc.  After two years as a Financial Advisor, Ed joined Manulife Financial, holding positions as an Agency Manager, Wholesaler and Sales Training Director.  He later moved to Nationwide Financial as Field Sales Training Manager and worked with wholesalers and sales managers.

Ed believes that it is important for experienced, successful people to mentor the next generation of financial planners by passing on knowledge and skills.  Experienced people need to take on the role of “elder” and help people succeed.  It is up to those who have enjoyed and prospered from their careers as financial professionals to pass on their wisdom, knowledge, experiences and insights.


Ralph Steiner sold my practice January 3, 2011.  I highly recommend Ralph for his professionalism regarding selling my practice.

Working with Ralph made my experience enjoyable and profitable.  His knowledge of how to value my financial firm and deal with potential buyers allowed me the freedom and time to do what I do best.

Today, as a Retirement consultant, I represent the firm who purchased my practice, and I am semi-retired without the stress of running my own practice.

Thanks you Ralph Steiner.

Michael A Tracey