Wealth Management in Sarasota, fl
Personalized Wealth Management for Sarasota Individuals and Families
Managing significant wealth requires more than choosing investments. It requires a thoughtful strategy built around your goals, your tax situation, your tolerance for risk, and the life you want your wealth to support.
Howland and Associates provides personalized wealth management and investment management services for individuals and families in Sarasota, Florida. Since 1992, our independent Registered Investment Advisor has helped clients navigate financial markets, retirement, inheritances, trusts, business transitions, and other important financial decisions.
Our approach is personal. We take the time to understand what you have built, what matters to you, and what you want your wealth to accomplish—then create and actively manage an investment portfolio around those priorities.
Wealth Management Designed Around Your Life
Sarasota is home to retirees, business owners, executives, physicians, professionals, and families who have accumulated significant assets over a lifetime.
Their financial situations can be very different.
Some clients are preparing to turn decades of savings into retirement income. Others have recently sold a business, received an inheritance, become responsible for family wealth, or relocated to Florida with investment accounts accumulated elsewhere.
At Howland and Associates, we believe your investment strategy should reflect your individual circumstances rather than forcing your assets into a generic portfolio.
Wealth Management Services for Sarasota Tampa Clients
Personalized Investment Management
Every client brings a different combination of goals, assets, responsibilities, and concerns.
We build customized portfolios around factors such as:
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Your financial goals
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Investment time horizon
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Risk tolerance
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Income needs
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Tax considerations
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Existing investments
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Family circumstances
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Estate and legacy objectives
Our investment team actively oversees the portfolios we manage and makes decisions based on disciplined research, valuation, risk, and each client's individual circumstances.
Retirement Portfolio Management
For many Sarasota residents, the financial questions change as retirement approaches.
The focus may shift from accumulating assets to determining how those assets should be invested, how much risk is appropriate, and how a portfolio can support a potentially long retirement.
Howland and Associates helps retirees and those approaching retirement evaluate their investment portfolios in the context of their changing needs.
That may include managing taxable investment accounts, IRAs and other retirement assets while considering income requirements, investment risk, taxes, and long-term family goals.
Our objective is not simply to manage investments. It is to help you understand how your portfolio fits into the larger financial picture as you move through retirement.
Tax-Aware Investment Strategies
Investment returns are important, but so is how much of those returns you keep.
Howland and Associates considers potential tax consequences when managing taxable investment portfolios. When appropriate, investment decisions may take into account realized gains and losses, portfolio changes, income needs, and other tax considerations.
We can also work alongside your CPA, attorney, or other professional advisors to help keep your investment strategy aligned with your broader financial needs.
Trust and Family Wealth Management
Managing significant family assets can become more complex over time.
Howland and Associates provides investment management for trusts, families, and family foundations. Our approach focuses on long-term portfolio management, risk, communication, and preserving wealth according to each client's objectives.
We work to give clients a clear understanding of how their assets are invested and why portfolio decisions are being made.
Guidance When Your Financial Life Changes
Some of the most important investment decisions occur during periods of major change.
We commonly work with clients navigating:
- Retirement
- Inheritances and estate distributions
- Trust distributions
- The loss of a spouse or loved one
- Sale of a business
- Major liquidity events
- Divorce and asset division
- Career changes
- 401(k) rollovers
- Sudden wealth
- Changes in family financial responsibilities
These situations can involve complicated decisions at a time when making those decisions may feel particularly difficult.
Our role is to help you understand your options, organize your investments, and develop a thoughtful path forward.
Experiencing a Major Financial Transition?
Whether you've recently retired, inherited significant assets, sold a business, or experienced another major financial change, a portfolio review can help you understand whether your current investments still align with your needs.
Wealth Management for Sarasota Retirees
Sarasota has long attracted people who choose Florida for the next stage of their lives.
Relocating or retiring can also be an appropriate time to reconsider how your investment portfolio is structured.
You may have retirement plans from former employers, taxable investment accounts managed by multiple institutions, concentrated stock positions, inherited assets, or investments that made sense during your working years but may no longer reflect your priorities.
Howland and Associates can help bring those pieces into a more coordinated investment strategy.
We work with clients to evaluate their existing portfolios, identify unnecessary complexity, assess investment risk, and determine whether their assets remain aligned with their retirement and long-term objectives.
Helping Widows Navigate Wealth and Investments
The loss of a spouse can leave someone responsible for financial decisions that were previously handled together—or primarily by their spouse.
Investment accounts, retirement assets, trusts, estate distributions, and other financial responsibilities can suddenly require attention while you're also dealing with a major personal transition.
Howland and Associates has decades of experience helping individuals and families through these situations.
We take the time to explain what you own, help organize the financial picture, and provide ongoing investment guidance without rushing important decisions.
Our goal is to give you clarity and confidence as you determine what comes next.
Why Sarasota Investors Choose Howland and Associates
Independent Fiduciary Guidance
Howland and Associates is an independent Registered Investment Advisor. As a fiduciary, we are committed to putting our clients' interests first.
More Than 30 Years of Experience
Howland and Associates has provided investment advisory services since 1992, helping clients navigate multiple market cycles and major financial transitions
CFA® and CFP® Professionals
Our team combines investment-management experience with recognized professional credentials. Dee S. Howland is a Chartered Financial Analyst (CFA®), and Robert C. Howland is a CERTIFIED FINANCIAL PLANNER® professional.
Customized Portfolios
We don't believe every investor should own the same portfolio. Our investment strategies are personalized around each client's circumstances, objectives, risk tolerance, tax considerations, and time horizon.
Tax-Aware Investing
We specialize in taxable portfolios and consider taxes as part of investment decision-making rather than treating tax consequences as an afterthought.
Direct Access to Your Investment
Our clients aren't routed through layers of call centers or handed from one advisor to another. We believe wealth management should be personal, accessible, and built around long-term relationships.
Who We Work With in Sarasota
Howland and Associates works with Sarasota-area clients including:
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Retirees and individuals approaching retirement
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Individuals and families with significant investment assets
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Physicians and other professionals
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Business owners and entrepreneurs
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Executives
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Widows and surviving spouses
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Individuals receiving an inheritance
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Trust beneficiaries
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Families managing generational wealth
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Individuals experiencing a significant financial transition
Whether you've spent decades building your wealth or recently became responsible for significant assets, we can help you develop an investment strategy designed around where you are today and where you want to go.
frequently asked questions
Does Howland and Associates work with clients in Sarasota?
Yes. Howland and Associates is based in St. Petersburg and serves clients throughout Florida and nationwide, including individuals and families in Sarasota.
Is Howland and Associates a fiduciary?
Yes. Howland and Associates is an independent Registered Investment Advisor and acts as a fiduciary for its advisory clients.
Does Howland create customized investment portfolios?
Yes. Portfolios are designed around each client's individual needs, goals, risk tolerance, tax considerations, and investment time horizon rather than using a single portfolio for every client.
Can you manage my retirement investments?
Howland and Associates manages retirement assets as well as taxable investment portfolios. We can review your existing investments and help determine how they fit your current circumstances and long-term objectives.
Can Howland help after I receive an inheritance?
Yes. We regularly work with clients who have received inheritances, estate distributions, or trust assets. We can help you understand the investments you've received, evaluate your options, and develop a strategy based on your own needs and goals.
Do you work with widows and surviving spouses?
Yes. Howland and Associates has extensive experience helping clients after the loss of a spouse. We can help organize and evaluate investment accounts, inherited assets, trusts, and other investments while providing ongoing guidance as financial responsibilities change.
Does Howland manage trusts?
Yes. Howland and Associates manages trust assets and works with families and beneficiaries to incorporate those investments into their broader wealth-management objectives.
Does Howland consider taxes when managing investments?
Yes. Howland specializes in taxable portfolios and considers tax implications as part of its investment-management process. The specific approach depends on each client's individual circumstances.
Do I need to live in Sarasota to work with Howland and Associates?
No. Howland is based in St. Petersburg and works with clients throughout Florida and nationwide.
Serving Sarasota From Our St. Petersburg Office
Howland and Associates is based in St. Petersburg and serves clients throughout Florida and across the country, including individuals and families in Sarasota.
For Sarasota clients, our location provides the benefits of working with an established Tampa Bay investment firm without requiring your wealth manager to be located in a large corporate office around the corner.
We believe the more important questions are who is actually managing your investments, whether they understand your circumstances, and whether you can reach them when you need them.
At Howland and Associates, clients have direct access to the professionals responsible for their portfolios and receive the personalized attention of an independent, family-owned investment firm.
Work With a Wealth Management Team Serving Sarasota
Your wealth represents years of work, important decisions, and opportunities for the future. Your investment strategy should reflect the life behind those assets—not simply a generic portfolio.
Howland and Associates provides personalized investment management backed by more than three decades of experience, disciplined research, tax-aware decision-making, and direct access to the professionals managing your investments.
Whether you're preparing for retirement, already retired, managing an inheritance, navigating the loss of a spouse, selling a business, or simply looking for a more personal approach to wealth management, we'd welcome the opportunity to learn about your goals.
Let's review where you are today and determine whether your current investment strategy is aligned with where you want to go.