EQUITY EXPERTS

PERSONALIZED INVESTMENT PORTFOLIOS

10261 4th Street North
St. Petersburg, FL 33716

Tampa Bay Registered Investment Advisor for over 30 years

H O W L A N D

30+ YEARS OF PROVEN RESULTS

CFA® and CFP® leadership

Testimonials

"I can't tell you how many times l thank my lucky stars that we called Dee some 30 odd years ago to set up a meeting to transfer my retirement acct to her new company. For that l am forever grateful. What a stroke of luck that was. I don't remember a year Howland ever lost a penny of my investments. And Rob you have more than earned your stripes! And this year...WOW...."

RETIRED PHYSICIAN, CURRENT CLIENT
ONTARIO, CANADA

DISCLOSURE: HOWLAND AND ASSOCIATES, LLC IS A REGISTERED INVESTMENT ADVISOR. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. NO CASH OR NON-CASH COMPENSATION HAS BEEN PROVIDED FOR TESTIMONIALS.

"I have worked with the Howlands for decades, even during difficult times like '99 and '08. I am often hesitant to write a testimonial, but my cup is full. Howland and Associates has managed both my medical practice plans and personal investments since 1992. I consider myself a tough customer and expect my money to be well managed. Finding someone to trust with your money and your future is so hard. Dee and Rob have exceeded my expectations."

RETIRED PHYSICIAN, CURRENT CLIENT
PARADISE ISLAND, FLORIDA

DISCLOSURE: HOWLAND AND ASSOCIATES, LLC IS A REGISTERED INVESTMENT ADVISOR. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. NO CASH OR NON-CASH COMPENSATION HAS BEEN PROVIDED FOR TESTIMONIALS.

"I have been a client of Howland and Associates for 25 years. My portfolio has quadrupled because of their careful, focused, expert management of my accounts. I monitor my accounts regularly and have watched as they navigate market downturns calmly and professionally and as they take advantage of downturns to make informed purchases, and their excellent management continues. They are quickly responsive to any questions, concerns, or changes I send their way. Taking into account tax consequences when managing my investments has been an important part of our relationship. I recommend them without reservations—my son is a client on my recommendation."

EDITOR, CURRENT CLIENT
TAMPA, FLORIDA

DISCLOSURE: HOWLAND AND ASSOCIATES, LLC IS A REGISTERED INVESTMENT ADVISOR. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. NO CASH OR NON-CASH COMPENSATION HAS BEEN PROVIDED FOR TESTIMONIALS.

"Thanks to you and your team for looking out for potential tax liabilities. Looking at my others taxable accounts, I'm showing a sizeable capital gain (long term) through the first 10 months. I have reached out to them to get a projection on where they think this capital gain will end up at year's end. RMD's and Capital gains are a whole new ball game as things transition to taxable accounts. Its great to know that you are taking the extra steps to minimize my potential tax liability. Thanks again for taking the extra steps!"

BUSINESS EXECUTIVE, CURRENT CLIENT
METTER, GEORGIA

DISCLOSURE: HOWLAND AND ASSOCIATES, LLC IS A REGISTERED INVESTMENT ADVISOR. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. NO CASH OR NON-CASH COMPENSATION HAS BEEN PROVIDED FOR TESTIMONIALS.

WE ARE ALWAYS HERE TO CHAT

CONTACT US FOR A COMPLIMENTARY PORTFOLIO REVIEW

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(727) 491-7777 | (813) 333-2900

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Our Team

Dee S. Howland

President

Chartered Financial Analyst®

As a Chartered Financial Analyst with over 30 years of market experience, Dee Howland makes certain every investment decision is rooted in valuation principles and disciplined research.

Robert C. Howland

Vice President

Certified Financial Planner®

Rob Howland serves as VP and Portfolio Strategist at Howland and Associates, where he oversees portfolio construction, risk management, and day-to-day trading operations.

Ross Thomas

Senior Equity Analyst

Investment Advisor Representative

Ross Thomas focuses on market analytics, data modeling, and company-specific research that inform and contribute to maintaining Howland’s disciplined, evidence-based portfolio process.

Alex Tavares

Director of Communications Investment Advisor

Representative

Alex Tavares oversees client relationships and strategic development at Howland, translating complex financial strategies into clear, actionable guidance.

Guidance When Life Changes Overnight

Some of the most important financial decisions happen during unexpected life events. Whether you’ve recently inherited assets, sold a business, received a trust distribution, gone through a divorce, lost a spouse, or experienced another major life transition, the choices you make today can have a lasting impact on your financial future.

At Howland and Associates, we help individuals and families navigate these pivotal moments with clarity and confidence. We take the time to understand your unique situation, evaluate your options, and develop a thoughtful strategy designed to protect and grow your wealth while aligning with your long-term goals.

We Commonly Help Clients Navigate

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Inheritances and estate distributions

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Trust beneficiary planning

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Business sales and liquidity events

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Divorce and asset division

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Retirement transitions

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Sudden wealth situations

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Loss of a spouse or loved one

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Major career changes and executive compensation

When life changes, your investment strategy should adapt with it.

We’re here to help you make informed decisions every step of the way.

Schedule a conversation

We create customized investment portfolios

Howland and Associates Wealth Concierge is a St. Petersburg–based fiduciary investment advisory firm dedicated to building resilient, tax-efficient portfolios for families, professionals, and retirees.

Founded in 1992 by Dee S. Howland, CFA®, our family-owned firm combines deep fundamental research with personalized investment planning to help clients achieve growth without unnecessary risk. As an independent Registered Investment Advisor (RIA), we act solely in your best interest — offering transparency, fee clarity, and direct access to decision-makers.

Our approach emphasizes long-term wealth preservation and hands-on guidance through every market cycle. Whether you’re preparing for retirement, managing a family trust, or seeking a more customized investment strategy, Howland and Associates provides concierge-level service backed by over 30 years of proven performance.

Our clients don’t wait days for a call back or get routed through layers of staff. They have direct access to their advisor—by phone, text, or in person—whenever they need perspective or guidance. Every conversation is personal, timely, and handled by the people who actually manage their portfolios. Schedule a portfolio review or explore our latest insights to see why so many families have trusted Howland since 1992.

Built to your needs, goals, risk tolerance, and time horizon.

I. D.S. Howland, CFA®

II. Robert C. Howland, CFP®

III. CFP® Board Designation

IV. Simple Fees

V. Disclosures

VI. Firm ADV

VII. Broker Check™

VIII. Our New Office

IX. Schwab Alliance Client Login

X. FAQ

Guiding Widows Through Inheritance with Clarity and Care

Whether you’re navigating an inheritance, managing accounts that were always in your spouse’s name, or simply trying to understand what comes next, we’ve guided families through these transitions for over 30 years. We’ll help you make sense of what you have, protect what matters, and build a plan for the life ahead of you.

Wealth Concierge

Tailored Investment Strategies

Rooted In Your Life

No two families chart the same course
and neither should their portfolios.

Unlike big corporate firms, we track and consider taxes in every transaction.
In the end, our clients often make more money and save more on taxes.
This allows us to not only build resilient portfolios, but also to integrate investment decisions seamlessly into your broader financial plan.