Howland Advisory Corporation

Howland Advisory serves individuals, high‑net‑worth clients, IRAs, trusts, estates and business entities through a small, boutique client base (roughly 18 clients). The firm provides discretionary and non‑discretionary portfolio management, written financial plans, periodic review services, financial counseling, and referrals to unaffiliated third‑party managers.

The firm pursues a blended active/passive, diversified approach and uses both fundamental and technical security analysis to construct and monitor customized asset allocations, with at least quarterly reviews and options for ongoing periodic planning retainers. Portfolios may include focused or special‑situation positions and exposure to foreign and high‑yield securities when aligned with a client’s objectives, and the firm will recommend and oversee third‑party managers for portions of client assets when appropriate.

Howland Advisory is a long‑standing, privately owned practice founded in 1991 and led by an experienced, CFP‑credentialed principal, reflecting a small‑scale, hands‑on operating model. Distinctive operational features include no stated firm account minimum (third‑party managers may have minimums), a financial planning rate billed by the hour (disclosed at $350/hr), disclosed fee‑sharing arrangements with third‑party managers and occasional insurance commissions from a licensed insurance activity, and use of Charles Schwab as custodian with certain platform fee waivers.