Howland and Associates
Navigating the Winds and Waves with you
We believe it’s important to evaluate the firm managing your money on four key factors.
(1) Portfolio Performance
(2) Client Relationships
(3) Business Operations
(4) Personalized Strategies
nor are we locked in or limited in our offerings as required by big firms.
We invest right alongside our clients.
Our indepedence is integral to our business principles.
I. Our Approach to Business
At Howland, we value due diligence, clear communication, and a simplified process.
II. Our Agreement Together
Listening, loyalty, and clear communication are paramount to our success. Our investment contract is written for mutual understanding and will serve us for decades together.
III. Our Simplified Process
IV. Our Communication
To make communication clear, we will always include the who, what, when, where, and why.
V. Transition and Taxes
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
FINRA’s Broker Check website will give you a snapshot of a firm’s policies, disclosures, discipline, registration, licensing, services and background.
Howland and Associates
A Glossary of Our Process
Click on the links below to explore definitions, explanations, and applications
Good Company vs. Good Stock
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
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
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
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
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 helps Howland and Associates understand the liquidity risks of our investments.
Portfolio Allocation
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
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
Chartered Financial Analysts are experts in understanding time, compound interest, and cash flow as factors that impact the calculation of an investment return.
Shenanigans
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.