Earning a college degree is an exciting accomplishment that also brings new beginnings. A first job, a new place to live, and an independent financial life may all be in store. How can you set yourself up for success? Here are our top financial tips for college graduates.

It’s hard to believe, but in a few short weeks, students will be graduating from high school or returning home from college to spend the summer with their families. In between summer jobs and vacations, the summer is a great opportunity to have important conversations with children about their own financial and estate planning.  

A Special Needs Trust (SNT), also known as a Supplemental Needs Trust, holds assets for the benefit of a person with disabilities while preserving eligibility for needs-based benefits such as Supplemental Security Income (SSI) and Medicaid. Funds from the trust are used to supplement public benefits, not replace them.

We are pleased to share that Howland Capital has been ranked No. 1 on CNBC's 2026 Financial Advisor 100. CNBC published the list on October 1, 2026.

At Howland Capital, we believe that our greatest asset is our people. We are committed to fostering an environment where talent is recognized and career growth is encouraged. In that spirit, we are pleased to announce the promotions of Gianni Reid and Evan Pennoyer. 

We are pleased to announce that Richard Kutia, our Chief Fiduciary Officer, has been named a Partner at Howland Capital. Since joining the firm in 2024, Richard has become a valued resource for our team and our clients. His elevation to Partner reflects the significant impact he has made in overseeing our trust and estate administration and his dedication to developing integrated wealth management strategies that address the complex needs of the families we serve.

The U.S. yield curve experienced a significant "bear flattening" in the final two months of the third quarter. A bear flattening move in the curve is characterized by increasing yields across the board, with the short-end rising faster than the long-end. As a reminder, when bond yields go up, bond prices go down. The 10-year Treasury yield now sits above 5%, levels we have not seen since 2007. 

The U.S. economy spent the third quarter doing two things at once: growing faster than most forecasters expected and generating more inflation than most people wanted. The second of those prompted the Federal Reserve to raise interest rates in September for the first time in more than three years, a move that would have seemed far-fetched when the year began.