L.F. Howard Associates Inc

L.F. Howard Associates provides portfolio management and consulting services to individuals (including high‑net‑worth clients), trusts and estates, and corporations or other business entities. The firm manages roughly $96 million in client assets and primarily charges advisory fees as a percentage of assets under management, with separate consulting engagements billed hourly.

The firm develops individualized investment policies through client discussions and implements them on either a discretionary or non‑discretionary basis, taking into account objectives, time horizons, tax considerations and client‑imposed restrictions. Investment methods include fundamental, technical, cyclical and qualitative analysis, with strategies that range from long‑term holdings to shorter‑term trading and may include listed equities, fixed income, exchange traded funds and select interests in real estate and natural‑resource ventures.

Noteworthy distinctions include that a firm principal is a Massachusetts‑licensed attorney who serves as a personal trustee and executor, and the firm itself sometimes accepts trustee/executor roles for clients—practices that have led to constructive custody considerations and annual surprise audits by a PCAOB‑registered accounting firm. The firm’s work with corporate clients and involvement with private business entities is atypical for independent advisers of its type and shapes a client mix that includes both individual and business relationships.