We just found out about Howard's death and our hearts are sad.
We have worked with Howard for many years and always knew we could count on him for anything. He was a kind, gentle friend of ours.
Prayers for his family and business associates.
Pat and Tom Bush

I was so sad to hear the news about Howard.  I have worked with Howard off and on for many years - and always enjoyed my interactions with him.  

He was a kind and gentle soul and I will miss working with him.  

Our hearts sank when we heard the news, as we were eagerly waiting for his next phone call with us and grew more worrisome as the time passed when we didn't hear Howards' voice.  

We are going to miss our weekly phone conversations with Howard as we enjoyed all his stories, guidance and insight.  Rachelle will miss visiting Howard during their branch meetings and exploring the great State of Alabama with her family.  

We hope all of you find some comfort as you reflect on all the memories you have shared with Howard during this very difficult time...Howard was SO proud of his family and loved you all.  Wish we could be there to celebrate his life with all of you, please know that we will be thinking of you.

United Brokerage Services, Inc.
Rod Raber, Carolin Raber, Rachelle Nelko and Mary Beseke
Minneapolis, MN


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Alabama Heritage Funeral Home & Cemetery

Stephen Smith

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Stephen Howard Smith Jr.

May 26, 1944 – May 8, 2021

Alabama Heritage Funeral Home & Cemetery

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