Welcome

AND
ASSOCIATES
N27° 38’27”
W82° 44’32”

Trustworthiness and Expertise

Navigating the Winds and Waves with you

We believe you should evaluate a firm that manages your money on
(1) Portfolio Performance, (2) Client Relationships, (3) Business Operations.
We encourage you to work with a Registered Investment Advisor
who meets your specific needs and interests.

We serve our friends and family with the best opportunities available.
Howland and Associates is not affiliated with a brokerage firm,
nor are we locked in or limited in our offerings as required by big firms.

Our indepedence is integral to our business principles.

I. Our Approach to Business

Our Approach to Business

At Howland, we value due diligence, clear communication, and a simplified process.
Each Roman Numeral above will tell you more about our approach to business.

II. Our Agreement Together

Our Agreement Together

Listening, loyalty, communication and responsiblity are paramount to our success. Our investment contract is written for mutual understanding and will serve us for decades together.

III. Our Simplified Process

Our Simplified Process

We make every effort to reduce the headaches of brokerage firms, class action lawsuits, proxy votes, trust administration, retirement administration, and tax records on your behalf.

IV. Our Communication

Our Communication

We are flexible with how we use technology to work together. We are comfortable using either old-fashioned or new technology. We will meet you where you are at with technology and communication.

To make communication clear, we will always include the who, what, when, where, and why

V. Transition and Taxes

Transition and Taxes

When significant life events or situations happen, we are there for you with administrative help and financial reports as you move forward.

We work to give you the greatest advantage with your taxes. We will create taxable gains or losses to help you better manage your other financial assets.

VI. Due Diligence

Due Diligence

FINRA’s Broker Check website will give you a snapshot of a firm’s policies, disclosures, discipline, registration, licensing, services and background.

FINRA’S Broker Check

I. Our Approach to Business

Our Approach to Business

At Howland, we value due diligence, clear communication, and a simplified process.
Each Roman Numeral above will tell you more about our approach to business.

II. Our Agreement Together

Our Agreement Together

Listening, loyalty, communication and responsiblity are paramount to our success. Our investment contract is written for mutual understanding and will serve us for decades together.

III. Our Simplified Process

Our Simplified Process

We make every effort to reduce the headaches of brokerage firms, class action lawsuits, proxy votes, trust administration, retirement administration, and tax records on your behalf.

IV. Our Communication

Our Communication

We are flexible with how we use technology to work together. We are comfortable using either old-fashioned or new technology. We will meet you where you are at with technology and communication.

To make communication clear, we will always include the who, what, when, where, and why

V. Transition and Taxes

Transition and Taxes

When significant life events or situations happen, we are there for you with administrative help and financial reports as you move forward.

We work to give you the greatest advantage with your taxes. We will create taxable gains or losses to help you better manage your other financial assets.

VI. Due Diligence

Due Diligence

FINRA’s Broker Check website will give you a snapshot of a firm’s policies, disclosures, discipline, registration, licensing, services and background.

FINRA’S Broker Check

A guide to our investment process crafted over the last three decades.

Big firms often fall short in serving people. Our boutique advisory firm excels at meeting individual client needs.

Click on the links below to explore definitions, explanations, and applications

Good Company vs. Good Stock

Howland and Associates are experts at finding opportunities, discounts, and bargains.

Our secrets are our advantage. Differentiating between a good company and a good stock is often overlooked by many investors. There are many good companies, but only a few good stocks.  For us to realize a profit in our investments, we must buy at a good price. 

Earnings Season

Earnings season is a period when companies release detailed statements about the profitability for the most recent quarter.

Earning reports have a significant impact on our investment decisions. We have special parameters, systems, protocols, and people in place to evaluate financial data and make decisions in a timely manner. 

PE Ratio

The Price/Earnings ratio measures the price of a company’s stock as compared to the earnings of the company.

We screen for low PE ratios to find attractive stocks. We understand the relative PE ratios for different companies and sectors of the market, such as airlines, utilites, or unique tech companies.

PEG Ratio

The Price/Earnings to Growth ratio (PEG ratio) is a stock’s Price/Earnings (PE) ratio divided by the growth rate of its earnings for a specified time period.

D.S. Howland, CFA pioneered the application of the PEG ratio. Since the 1980s, our competitive advantage has been our ability to compare apples to oranges to make smart investment decisions.

Uncertainty and Downturns

Many investors are frightened by economic downturns and the direction of the economy, making them more cautious about investing during uncertain times. 

Howland uses economic downturns as a time to buy and has developed a disciplined and repeatable investment system to capitalize on opportunities during times of uncertainty. 

Market Capitalization

Market Capitalization is the total value of a company’s stock.

Market Capitalization helps Howland and Associates understand the liquidity risks of our investments. 

Portfolio Allocation

Portfolio allocation is the strategic distribution of investments across different sectors or asset classes to meet the investor’s investment goals, risk tolerance, and time horizon. 

We do not favor sectors or attempt to predict the future of the economy. We designed our sector neutral portfolio allocation method to enforce discipline, minimize risk, and identify the best stocks in every sector. 

Bottom-Up Investing

Top-Down investing uses macro economic trends to identify investment sectors. Bottom-up investing uses fundamental financial analysis to judge a company’s health. 

We want only the best stocks for our portfolios. We use bottom-up investment methods to build our portfolios one stock at a time. We understand every company in our portfolio and avoid passive stock picking.

Accurate Evaluation

Understanding requires measurment. Calculating investment returns is complicated and may require professional software. The time-weighted return (TWR) uses a geometric calculation to  measure accurate investment results. 

Chartered Financial Analysts are experts in understanding time, compound interest, and cash flow as factors that impact the calculation of an investment return.  

Shenanigans

Financial shenanigans refer to deceptive or unethical practices to manipulate financial data to mislead investors.

We specialize in evaluating fundamental financial data. We are experts at seeing through the games, shenanigans, and half truths that companies use to mislead investors. 

Important Links

ADV
DISCOVER

Portfolios

“It is seldom easy to make the right decisions in an ocean race. Too much caution may lose you the race. Too much caution may lose you the race. Too little may lose you the race and a lot else besides.”

WALDO HOWLAND

A LIFE IN BOATS: THE YEARS BEFORE THE WAR (1984)