Legacy is Putting Your Stamp on the Future.

Our Team has served clients and their families for almost 30, leveraging over 35 years of industry experience as a team. Mary and Megan recognize some of the concerns and needs of couples, successful women and families. This can present a unique and daunting challenge needing a more balanced, holistic approach to their lives and their finances.

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Our Team's Investment Philosophies

-Investing is a marathon not a sprint.
-Investing is not rocket science.
-The best investment you can make is always in yourself.

Mary Howard, CIMA®, CRPC®, CDFA®

Senior Vice President
Financial Advisor

Experience:  Mary has been helping families manage and preserve their wealth since 1991. She earned the Certified Investment Management Analyst (CIMA®) designation through the Wharton School of Business in 1999, the Chartered Retirement Planning Counselor (CRPC®) through the College of Financial Planning in 2010, The Certified Divorce Financial Analyst (CDFA®) through the Institute for Divorce Financial Analysts in 2014, and earned a bachelor’s degree in physics and a minor Military Science from South Dakota State University in 1984. From 2011 through 2017 Mary qualified for the Barron's Winner's Circle-Top Women Advisors Summit. She was awarded the Business Achievement Award through EmBe's Tribute to Women celebration in 2017.

Giving Back:
Mary is a member of the Investment Management Consultants Association (IMCA), the Sioux Falls Estate Planning Council and is past Chairman of the Board of Governors and Council of Trustee's for the South Dakota State University Foundation.  She is currently serving a five year term on the South Dakota Investment Council Board which oversees the group of professionals that manages the investment of the financial assets for the State of South Dakota.  She also serves on the board for Children's Home Society Foundation and on the New Haven Ministries Board of Directors.

While at SDSU, Mary received her military commission and attained the rank of captain while serving in the United States Army. Mary married Dave in 1984 and together they have three children and devote free time to their family and enjoy a wide range of outdoor activities and traveling.

Fun Facts About Mary:

*She loves to canoe with the loons and eagles in Ely, MN.
*Paratrooper/Airborne qualified as a US Army Captain.
*Mary shares a birthday (April 26th) with her son Max.

Megan Howard

Financial Advisor

Next Generation:  Megan leads our advanced financial planning services, confident women's events and client management services. She brings value to our clients and community by being an educator, resource, and colleague. Previous to Baird, she spent years in the banking and cosmetology industries.  While completing her bachelor's degree, she transitioned to banking and was promoted to the title of lead customer representative and personal banker for a regional bank in Sioux Falls.  Megan grew up with two hard working entrepreneur parents and has been instilled with hard work and a relationship based mentality. Being an oldest child of two successful Army officers she grew up with certain traits that help her and her business grow and succeed. 

"Being a young woman in a leadership role for our business, company and community is one of the biggest accomplishments.  My gift and purpose is helping support women, grow, learn and thrive.  Being a part of helping women is one of the biggest blessing's I get to be grateful for."- MKH


She completed her Bachelors of Science- Entrepreneurial Studies degree from South Dakota State University in 2015 and has completed her Certified Financial Planning Course through  Pepperdine University in 2018.  In 2020 Megan seeks to obtain her Chartered Financial Consultant (ChFC®) designation as well as obtaining her Series 9- General Securities Sales Supervisor Options designation & Series 10 License- General Securities Sales Supervisor.  Megan is a graduate of 2019 Leadership Sioux Falls which is a rigorous program that limited participants are accepted.  Current licenses held:  Series 7, Series 66, Life and Health Insurance.  She also still holds her licensed as a Cosmetologist- State of South Dakota.


She enjoys her free time with numerous outdoor activities including gardening, DIY projects around her home, golfing and spending her time with loved ones. She has a lust for travel and took herself on a two week trip to England, Scotland and Ireland for her 30th birthday in 2019.  Megan gives back by serving on the Call To Freedom Breakfast Committee, mentor at Tallgrass Recovery Center as well as the pastoral staff of The River of Life Church in Canton, SD.  Past participation includes Feeding South Dakota, Sioux Falls Food Pantry, and Big Brothers/Big Sisters Program.  She is a past board member of the Sioux Falls Empire Stater's, Sioux Valley Optimists and Leadercast Sioux Falls.

Fun Facts About Megan:

*Megan enjoys her free time riding her Softail Slim HD Motorcycle.
*She has two tabby cat's named Oliver & Ali.
*As a military child she moved 10 places before turning 10.


Tyler T. Osterloo

Client Assistant

Tyler recently joined Baird’s Sioux Falls branch in 2018, contributing to their many years of experience. Tyler specializes in client service and loves getting to know clients. His attention to detail and thorough work ethic ensure that client’s needs are not only met, but exceeded.

Tyler graduated from the University of South Dakota in 2014, where he earned his Bachelor’s Degree in Finance. Previous to joining Baird Tyler held multiple positions in the financial industry including lead teller at CorTrust and sales specialist in student loans at Wells Fargo.

Tyler resides in Sioux Falls where he has lived for the past 10 years. He makes a point to be involved in the community by volunteering at the South Dakota backpack program where he helps supply food to the underprivileged youth. When he has free time he loves to play volleyball, basketball, and spend time with his two cats; Gurl and Socks.