Howland and Associates, LLC is a registered investment advisor founded in 1992 and based in Saint Petersburg, Florida. The firm specializes in managing personalized, separate investment portfolios consisting of publicly traded equities, fixed-income securities, exchange-traded funds, mutual funds, and money market instruments. Howland and Associates offers several distinct investment strategies tailored to different client goals and life stages, including Opportunistic Growth, Core, Defensive, Triton, Heritage, and a short-term cash management program known as HARP, alongside management for 529 education savings plans. The team includes professionals holding credentials such as the Chartered Financial Analyst designation and the Certified Financial Planner certification. Portfolios are managed on a discretionary basis, meaning the team handles day-to-day trading decisions in accordance with each client's established objectives.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.20% |
| $1.0M - $2.0M | 1.08% |
| $2.0M - $3.0M | 0.96% |
| $3.0M - $4.0M | 0.84% |
| $4.0M - $5.0M | 0.72% |
| $5M+ | 0.60% |
Rates reflect annualized figures derived from the firm's monthly fee schedule. The Howland and Associates Repository Program (HARP) charges an annual rate of 0.12%. 529 plan accounts have a separate tiered fee schedule ranging from 0.30% to 0.60% annualized. Fees are negotiable in limited situations, and family account values may be bundled.