Hamewith Wealth is a registered investment advisor located in Rochester, New York, founded in December 2025. The firm is led by John Howe, who serves as the principal owner and Chief Compliance Officer. Hamewith Wealth offers comprehensive wealth management services, which combine personalized investment management and financial planning. When managing investment portfolios, the firm builds customized asset allocations using stocks, bonds, mutual funds, exchange-traded funds, and cash equivalents, operating with the authority to make trades without asking first. Hamewith Wealth also monitors and provides recommendations for certain accounts held away from their recommended custodians, such as employer-sponsored retirement plans and 529 college savings plans. In addition to investment management, Hamewith Wealth provides ongoing financial planning covering cash flow and debt management, college savings, employee benefits, estate planning, insurance, retirement planning, tax strategies, and business planning. The firm operates as a fee-only advisor, meaning they are compensated solely through direct fees paid by clients and do not accept commissions or third-party product sales compensation.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $2.0M | 0.90% |
| $2.0M - $3.0M | 0.80% |
| $3.0M - $4.0M | 0.70% |
| $4.0M - $5.0M | 0.60% |
| $5.0M - $6.0M | 0.50% |
| $6M+ | 0.50% |
Fees are negotiable. An additional 0.30% fee applies to held-away accounts managed via Pontera Solutions. A minimum annual advisory fee of $3,000 applies.