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.

Charitable giving has the potential to drive meaningful change, foster strong communities and generate social impact. As the world witnesses a massive generational shift in wealth, known as the "Great Wealth Transfer," this potential feels more catalytic than ever. Over the next 25 years, trillions of dollars are expected to pass into the hands of younger generations, particularly millennials and Gen Z, profoundly transforming the landscape of philanthropy.

Impersonators are using WhatsApp to pose as adviser personnel, urging clients to make financial moves like buying or selling securities. This WhatsApp scam is a fraudulent tactic designed to deceive and exploit. 

We are pleased to announce the promotion of Sam Ober to Portfolio Manager at Howland Capital. Sam joined our firm in 2020 as an intern with the Investment Team, quickly showcasing his commitment to excellence and his aptitude for rigorous financial analysis. As an analyst, he has conducted investment research spanning multiple sectors and asset classes, with a particular emphasis on equities. He continues to add value through his diligence and keen ability to identify new investment opportunities.

We are pleased to announce that Faisal Butt, CFA, FRM, has been named a partner at Howland Capital. Faisal joined Howland Capital in 2022.  His joining the partnership acknowledges his contributions to our portfolio management process through his expertise in fundamental analysis, company management evaluation and risk management. Faisal plays an important role as mentor to younger employees, and his work continues to bring considerable value to both our clients and our firm.

We are pleased to welcome Meredith Correia and Steven Kirk to Howland Capital.

Our Investment Committee remains diligently focused on researching the companies held in client portfolios and searching for attractive new investment ideas. Over the last twelve months, the Investment Committee has met with over 30 companies across 9 different sectors (see list below) to discuss key topics such as industry trends, competitive positioning, financial stability, and much more.

We believe the Fed will cut rates this year.  They are likely to start slowly with a quarter percentage point cut, bringing the policy rate closer to 4%, and will likely guide the market to expect at least one additional cut later this year. 

One of Wall Street’s oldest axioms, “markets hate uncertainty,” seemingly did not apply in the second quarter, as the equity market brushed aside tariff questions, an increased likelihood of inflation, the prospects of perilously high national debt, and U.S. involvement in various wars.