Howard Fiduciary Investments

Howard Fiduciary Investments provides discretionary investment management and financial planning through two advisory programs, Managed Wealth and Planning & Strategy, to individuals, families, trusts, estates, retirement accounts (including IRAs and rollover accounts), business entities, and nonprofit organizations. Services are offered across three planning tiers (Foundational, Strategic, Premier) with program- and tier-specific billing and service scopes.

The firm manages client portfolios using two named strategies at launch — Beta Market, a diversified, low‑cost ETF-based allocation approach, and Alpha Trend, a rules‑based trend‑following strategy with a defensive short‑term overlay — and determines allocations based on each client’s objectives, risk tolerance, time horizon, and tax situation. HFI describes a multi-method analysis framework (technical, macroeconomic, quantitative, and fundamental), manages accounts on a household discretionary basis, and combines planning and management differently depending on the selected program and tier (Managed Wealth includes a one‑time Engagement Fee).

Noteworthy for a single‑principal, newly formed independent adviser, the brochure explicitly includes business and nonprofit clients and details retirement account rollovers and reliance on Prohibited Transaction Exemption 2020‑02, highlighting a capacity to work with entity and tax‑sensitive retirement arrangements that some small peers do not list. The firm also discloses related outside activities (a separate equity investment entity and a business coaching business), a named continuity partner for succession, and an explicit proxy‑voting policy that leaves voting to clients.