Saint Petersburg, FL Office

Howland and Associates provides discretionary portfolio management for a small client base of primarily individual and family accounts, including high‑net‑worth individuals, trusts, IRAs, 529 plans, and certain institutional clients. The firm manages separate, tailored accounts composed mainly of publicly traded equities and fixed‑income instruments and maintains ongoing advisory relationships rather than nondiscretionary engagements.

Investment decisions are driven by fundamental analysis and individualized objectives; the firm maintains seven named strategy objectives (for example Opportunistic Growth, Core, Defensive, Triton, Heritage, a short‑term cash Repository Program, and a 529 strategy) and may use standard or custom indexes (including the S&P 500 Equal Weight Index) to guide allocations. Portfolios are managed to client time horizons, tax and risk considerations, and may deviate from model allocations for tax efficiency or specific client needs.

Compared with many peers, the firm discloses that it uses client testimonials in print and online marketing, pays for third‑party ratings used in marketing, and includes performance results in advertising materials — practices that are relatively uncommon among similar firms. It is privately held, operates with a small advisory team and client roster, recently surpassed the SEC AUM threshold and is in the process of moving to SEC registration, and offers a lower‑cost short‑term cash program (HARP) for clients seeking provisional cash management.