Howard Wealth Management, LLC

Howard Wealth Management serves individual and high-net-worth clients, pension and profit-sharing plans, and corporate clients, offering discretionary portfolio management, financial planning, pension consulting, family office and wealth planning, and financial consulting. As of February 11, 2026, the firm reports $397 million in discretionary assets under management across roughly 237 client relationships supported by two advisors.

The firm operates as a fiduciary and develops customized portfolios by gathering client goals, risk tolerance, and financial circumstances, primarily using low-cost, diversified mutual funds and ETFs while also employing individual stocks, bonds, and alternative investments when appropriate. Investment selection follows an internal due diligence process and the firm generally takes a long-term approach while permitting tactical reallocations or shorter-term transactions to address client objectives; both discretionary and non-discretionary engagements are offered.

Howard Wealth Management’s brochure highlights formal educational seminars and workshops for employers and retirement plan participants — including participant enrollment meetings and plan-level education on diversification, asset allocation, risk tolerance, and time horizon — services that the firm treats separately from individual client engagements. The firm also combines pension consulting with family office and wealth-transfer services (estate planning and trustee oversight, integrated tax planning, family philanthropy and lifestyle management), a service mix that is less common for advisory teams of this size.