Howland and Associates, LLC
| Private | |
| ISIN | 🆔 |
| Industry | Investment management |
| Genre | Registered investment adviser |
| Founded 📆 | 1992 |
| Founder 👔 | D. S. Howland |
| Headquarters 🏙️ | , St. Petersburg, Florida , United States |
Area served 🗺️ | United States |
Key people | D. S. Howland, CFA |
| Services | Investment advisory, portfolio management |
| Members | |
Number of employees | |
| 🌐 Website | investhowland |
| 📇 Address | |
| 📞 telephone | |
Howland and Associates, LLC is an independent registered investment advisory firm based in St. Petersburg, Florida, United States.[1][2] The firm provides discretionary portfolio management and investment advisory services for individuals, families, trusts, estates, retirement plans, and small institutions.[1]
History
Howland and Associates was founded in 1992 by investment adviser D. S. Howland, CFA, as an independent, fee-only firm.[2] Since its founding, the firm has focused on combining fundamental research with client-specific financial planning and asset allocation.[1]
The firm operates as an independent registered investment adviser and is not affiliated with a broker-dealer. Client assets are held with third-party custodians, while the firm typically exercises discretionary authority to manage portfolios.[1]
Services and strategies
Howland and Associates offers discretionary portfolio management and investment advisory services for taxable and tax-advantaged accounts, including individual and joint accounts, IRAs, trusts, estates, corporate accounts, and family foundations.[1]
According to its Form ADV, the firm offers several internally branded investment strategies, which may be combined or customized depending on client objectives:[1]
- An opportunistic growth strategy focusing on long-term capital appreciation.
- A more defensive strategy emphasizing capital preservation and lower volatility.
- A core family strategy designed for multi-goal family portfolios, often incorporating tax-aware investing and generational planning.
- A heritage strategy oriented toward long-term, intergenerational wealth preservation.
- The Triton strategy, which incorporates environmental and water-quality themes into security selection.
- Short-term and cash-management programs (sometimes referred to as the HARP program), which include cash, short-term bonds, money market funds, and related instruments.
The firm states that it does not sell annuities or insurance products, does not charge performance-based fees, and does not receive brokerage commissions or soft-dollar benefits.[1]
Fees are typically charged as a percentage of assets under management on a tiered schedule, with the fee rate declining as household assets increase.[1]
Clientele
Howland and Associates primarily serves individual investors, families, high-net-worth individuals, trusts and estates, retirement plans, corporate accounts, and family foundations.[1] The firm may accept smaller accounts in certain circumstances, including when a client is part of a larger family relationship or is expected to add assets over time.[1]
Regulatory status
Howland and Associates, LLC is registered as an investment adviser and files regulatory documents, including Form ADV, with securities regulators.[1] The firm is subject to the fiduciary standard applicable to registered investment advisers and maintains a written code of ethics covering personal trading, confidentiality, and potential conflicts of interest.[1]
Client accounts are held at unaffiliated custodians, and clients receive account statements directly from the custodian in addition to any reports issued by the adviser.[1]
Assets under management
According to recent regulatory filings summarized by third-party data providers, Howland and Associates has reported tens of millions of U.S. dollars in regulatory assets under management.[3] Assets under management figures may vary over time with market movements and client inflows or withdrawals.
Corporate philosophy and ethics
The firm maintains a written code of ethics for employees and associated persons, including requirements for the reporting of personal securities transactions, pre-clearance of certain trades, and restrictions on gifts and entertainment.[1] Employee trades may be aggregated with client trades in block orders, with all participating accounts receiving an average execution price.[1]
Online presence
Howland and Associates maintains a public website under the domain investhowland
See also
- Registered investment adviser
- Fee-only financial adviser
- Investment management
References
- ↑ 1.00 1.01 1.02 1.03 1.04 1.05 1.06 1.07 1.08 1.09 1.10 1.11 1.12 1.13 1.14 "Form ADV Part 2A – Howland and Associates, LLC" (PDF). InvestHowland.com. Howland and Associates, LLC. Retrieved 26 November 2025.
- ↑ 2.0 2.1 2.2 "Howland and Associates". InvestHowland.com. Howland and Associates, LLC. Retrieved 26 November 2025.
- ↑ "Howland and Associates, LLC – Firm overview". Radient Analytics. Retrieved 26 November 2025.
- ↑ "InvestHowland on X (Twitter)". X (Twitter). Retrieved 26 November 2025.
Category:Investment management companies of the United States Category:Companies based in Florida Category:Financial services companies established in 1992 Category:1992 establishments in Florida
References
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