Have you made a plan for your money this year and beyond? At any stage of life, you can establish financial goals to suit your particular situation. Taking the time now to evaluate your personal finances and set tangible, measurable goals for your money is a strong way to prepare for a secure financial future—whether that is 3 years from now or 30 years from now.

When it comes to investing, innovation and disruption are nothing new. Every so often, something shakes up traditional markets in unexpected ways. Enter meme stocks: a phenomenon that has captivated both seasoned investors and newcomers alike. But what exactly are meme stocks, and why have they gained such popularity?

Transform summer earnings into a valuable financial foundation. Explore how a custodial Roth IRA can help your child build long-term savings, while learning personal finance knowledge from an early age.

We believe that a growing team enhances our ability to deliver the service our clients deserve. It is with great pleasure that we introduce the newest members who have joined us in recent months.

We’re thrilled to share that Howland Capital has been named #7 on CNBC’s 2025 Top 100 Financial Advisor List.

For over 50 years, Howland Capital has been building lasting relationships with our clients and demonstrating  our commitment to serving as a trusted partner in our clients’ financial lives. We are grateful for the confidence our clients place in us and proud of the collaborative effort that drives our firm forward.

The Federal Reserve lowered interest rates by 25 basis points at the September meeting, which marked the first rate cut of 2025. If we look back earlier in the year, Federal Reserve Chair Jerome Powell elected to take a “wait and see” approach, keeping the policy rate steady for the first eight months of the year. Based on the rate cut and post-meeting press conference, Powell has now seen enough, citing signals of a slowing labor market as the primary reason for taking action.

Equity markets continued their multi-year march higher in the third quarter, with the S&P 500 finishing in positive territory for the seventh time in the past eight quarters (and ten of the past twelve). Market performance was driven by a mix of factors, but perhaps none more so than continued enthusiasm for artificial intelligence (AI) and infrastructure related to its buildout.

The U.S. economy continued its cautious expansion through the quarter, despite mixed signals from key indicators. GDP grew at an annualized rate of 3.8% during the second quarter, reflecting the fastest growth rate in nearly two years.