Howard Fiduciary Investments offers two primary advisory programs for individuals and families: the Managed Wealth Program and the Planning & Strategy Program. Both options combine portfolio management and financial planning, covering topics like retirement income, taxes, insurance, and estate coordination. The firm builds portfolios using exchange-traded funds and other pooled investments across two main strategies: Beta Market (a diversified buy-and-hold approach) and Alpha Trend (a trend-following strategy with defensive shifts). Clients can choose from three service tiers (Foundational, Strategic, and Premier) that offer increasing levels of planning depth and meeting frequency. The firm operates as a registered investment advisor based in Rockford, Michigan, founded by sole owner and principal Andrew Howard.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.50% |
| $1M+ | 1.20% |
Rates shown reflect the maximum Premier tier for the Alpha Trend strategy. The firm offers multiple tiers and strategies with rates ranging from 0.30% to 1.50%, featuring a 0.30% discount on assets above $1,000,000 in the Managed Wealth Program.