Howe Financial Advisory, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides personal financial consulting, fee‑based financial planning and discretionary investment management to high‑net‑worth individuals and related entities (trusts, retirement plans, non‑profits and small businesses), though it currently manages assets for a very small number of individual clients. Investment management services are administered on a discretionary basis for existing clients, with custody and account reporting handled through third‑party custodians.
The firm’s investment approach is grounded in Modern Portfolio Theory, emphasizing asset allocation, diversification and cost‑effective implementation using individual securities, ETFs and mutual funds; it favors selecting individual bonds to better control cost and principal fluctuation. Research is drawn from third‑party providers (including custodian research) and the adviser generally pursues long‑term, tax‑aware holdings rather than market timing.
Distinctive features include the firm’s very small, solo practice and an explicit policy not to accept new investment management clients, and the adviser’s continued use of CFP Board planning steps after retiring formal CFP® certification. Operationally the firm discloses no broker/dealer affiliations or soft‑dollar arrangements, does not aggregate trades, and maintains specific client communication and payment practices (it does not accept business text messages and certain consultations are limited to cash/check), along with documented privacy and data‑security safeguards.
Client services
Expertise
Fee options
Personal Financial Planning starting at a minimum fee of $3,500
$1,000,000 - $3,000,000: 0.75% $3,000,000+: Negotiable with a maximum of 0.75%
$250 per hour, 1 hour minimum for Personal Financial Consultations
Account minimum: $1,000,000
Main office
Seattle WA
Advisors at this office
1
Most active in
Washington
Also doing business as
Howe Financial Advisory, LLC · Howe, Patricia Emerson
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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