Matthew Jude Howard

Private Client Advisor

Professional Profile

Matthew Howard is a Managing Director and Private Client Advisor with Bank of America Private Bank in San Jose, California. Matthew advises a select group of high-net-worth and ultra-high-net-worth clients, addressing multiple aspects of their financial lives. He leads a highly credentialed team of specialists, who work in concert to support clients in growing, preserving, and transferring their wealth more effectively. Matt has particular depth catering to the needs of C-suite executives within Silicon Valley, Native American tribal relationships, and real estate developers.

Matt draws on more than 35 years of financial services experience. He joined Bank of America in 2002 and has been a member of the Private Bank (formerly U.S. Trust) since 2008. Prior to his current role, he led Bank of America’s Premier Bank and Investment Group for the Western United States, where he managed a team of 1,200 associates. Previously, he spent 15 years with Morgan Stanley, ultimately serving as the Midwest Regional Executive overseeing 800 employees. He earned his B.A. in economics from the University of California, Santa Cruz, and has completed executive education programs at Stanford University, the Wharton School of the University of Pennsylvania, and Duke University.

Matt has held a number of leadership roles within the firm. He previously served as a member of Bank of America’s Environmental Committee and its National Diversity and Inclusion Council, as well as Banc of America Investment Services Investment Policy Committee. Within his community, Matt has been active with United Way of Santa Cruz, The Dominican Hospital, and the UCSC Foundation. 

Matt and his wife Laura have five children. In his free time, Matt enjoys surfing, skiing, reading and cooking.


  • University of California at Santa Cruz

Our Team

Our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personal experience.

Note: These team members are a shared resource, involved in your wealth management plan as appropriate and are subject to change

Joanie Y Yau

Private Client Manager


Robert J Dent

Portfolio Manager


John Hurford

Portfolio Manager


Ingrid Hsia

Wealth Strategies Advisor


Key Contacts

Alpha Marie H Sarmiento

Private Bank Senior Associate


Let's Have A Conversation

We take the time to listen and learn about you and your family before creating strategies that aim to meet your needs, goals and best interests now and in the future


For more than 200 years, Bank of America Private Bank has helped clients navigate the complex challenges of managing significant wealth. We draw on the Private Bank’s personalized approach, as well as the resources of Bank of America, to help individuals and families, businesses, and institutions achieve their financial objectives. Whether you’re looking to preserve and share wealth, build philanthropic legacies or plan for future growth, our commitment is to make your goals our priority.

At Bank of America Private Bank, we take pride in our history and in serving our clients’ best interests. We also value the continual pursuit of innovation in a constantly transforming world. We apply this perspective to help our clients anticipate and respond to evolving markets, changing environments and the growing complexities of the financial landscape. Mindful of the past, our focus is on providing today’s clients with disciplined financial strategies and a bridge across generations.