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We all have the same questions. That doesn’t mean we all should get the same answers.

No two families are alike. That’s why we help plan your financial life by talking about what matters most. Your family. Your life. Your goals for now, and years from now.

 

Size = Popular Interest
 
Financial Planning
Can I help my grandchildren with their education expenses?

The cost of education keeps rising. We can help you assess how much you are able to give, as well as the most tax efficient way to do so.

Should I rent or buy a home?
Buy or lease the car?

We look at these issues frequently with our clients, and are ready to help you weigh the options and make an informed decision.

Can I afford to make gifts to my children/grandchildren?

Not only do we look to see if a client can afford to make a gift, but more importantly we discuss whether or not a gift is the right thing to do. We also help to determine if a stock gift, direct tuition, help via a loan, or other avenues are the best fit.

What level of spending can my assets support?

Through analyzing your portfolio, integrating assumptions specific to you and calculating your projected income, we can help determine this figure around which we can help you build a sustainable budget.

Tax Planning
Do you prepare tax returns?

We have a fully staffed tax department that prepares tax returns for the majority of our clients.  As such, we are very sensitive to the types of investments we put in client portfolios knowing the complexity of tax preparation and reporting on the backend.  We are also equally happy to work with your trusted CPA if that is your preference.

I feel like I am paying too much in taxes. Can you help?

Yes we can. The majority of our portfolios are taxable so we are very sensitive to the effect of our investment strategies on taxes. Both through the investments we make and the management of your portfolio we can help to defer, decrease or eliminate tax burdens. As we do with all clients, we will integrate the expertise of our tax department into the management of your assets.

How does my retirement savings stay tax efficient?

We work with our clients to make sure retirees save as much on taxes as they can. Let us help you come up with a tax efficient retirement plan to fit your financial goals.

How do I know if I have to make estimated tax payments?

Everyone’s tax situation is different. Our tax department will know if these payments need to be made, and we can process them for you.

Investment Advice
I want to take risk, but not lose sleep. What do I do?

There are many factors that determine what amount of risk is right for you. Let us help determine your financial goals and we can make sure your portfolio has a level of risk that is appropriate.  You can take risk and sleep at night!

Should I be concerned about rising interest rates?

The current rising rate environment may be concerning to you, but it also presents an opportunity to put money to work and generate incremental income. Let us help turn this concern into an opportunity.

Can I integrate my ESG interests into an investment plan?

Yes you can, and we can help.  Howland Capital offers dedicated Environmental, Social and Governance (“ESG”) investing alternatives for interested clients.  These investment options can be customized to your specific ESG interests, while leveraging the firm’s proprietary investment management capabilities with a goal of delivering strong risk-adjusted returns.

What is a realistic total return expectation?

One of the benefits of being a long-term investor – a discipline we bring to all of our client relationships – is that the amount of projected return is much more definable and dependable over the long-term. Our client portfolios are individually managed so your return expectations will be relevant to your particular circumstances.

Estate Planning
I do not have an estate plan. Does that matter?

If you do not have your own, then the state you live in most certainly has one for you – but it may not be exactly what you had in mind!  Anyone over the age of majority should have a simple plan at a minimum and it becomes more important with the passage of time. This is the world we live in daily.

Can you help me put an estate plan in place?

We are not lawyers, and we cannot draft documents, but we are familiar with them and can be an active, practical and facilitating voice in the process. With plenty of resources to draw upon, we can help you complete this all-important task. 

Do I need a trust? What Kind?

Nearly two-thirds of the assets we manage are held in trust so we are well-versed in the different types of trusts, how they help you achieve your goals and how each plays a role in a solid estate plan. We are here to help you understand your options.

Who should I appoint to be my trustee?

Appointing a trustee is not something to be taken lightly. We serve as trustees on the majority of the trusts we manage, or provide trust support, and do so as part of our management fee.  We can help guide you to make the choice that is the best for you and yours.

What other documents might I need?

A Durable Power of Attorney, Will, Healthcare Proxy, Advanced Directive are all important components of a good estate plan that will truly take care of you and your loved ones.  When we meet with our clients, we review their documents and make sure they are up to date. Need help?

How can I eliminate my estate tax burden?

No one is in a hurry to pay estate taxes. We can help strategize ways to minimize the taxes but it is actually the administrative burden of settling an estate that often weighs families down just as much if not more. We deal with this issue all the time and we can assist in the estate settlement process when the time comes.

Charitable Giving
How much can I give to charity? How much should I give?

We recognize that everybody has different priorities and resources. But we also recognize how important it is to support charitable endeavors. We are here to help you identify your charitable goals and find the right vehicle to direct your charitable giving plan.

I cannot keep track of my charitable giving. Can you help?

We help to organize and execute charitable giving plans for most of our clients.  They depend on us to keep things organized so that they can actually feel good about their giving and know that it is being done effectively.

What is the most effective way to make charitable gifts?

While making a donation via check is easy, there are much more effective ways to fulfill your charitable obligations. Transfers of low-basis stock, giving “more” to “less”, the use of donor advised funds, and establishing a foundation are just a few ways we can help you achieve your charitable goals.

Does it make sense for me to set up a foundation?

Establishing a foundation can be a great way to build a long lasting legacy and involve the next generation in philanthropy. Our foundation experience and resources are available to you if this is an avenue you wish to explore.

How do I involve the next generation in charitable giving?

We will work with you to construct a charitable giving plan that anticipates and inspires next-generation involvement.

How do I find organizations that are worthy of my support?

The depth and breadth of experience we have helping clients allows us to guide this process. Our long-standing relationships with social innovators and unique organizations help too.

Planning For Retirement
IRA, Roth IRA, 401(k), I am confused! Can you help me?

The days of the classic pension plan are long gone and it is now our individual responsibility to figure this out.  We are here to help determine the best way to go.

How much will I need in order to retire?

There is no one savings amount that fits everyone’s needs. Depending on your income, lifestyle, and budget, we can help you create a solid and dependable retirement plan.

When should I start saving for retirement?

It goes without saying, “the earlier the better.” With that said, it is never too late, recognizing that there are often other demands on one’s resources that delay this effort. No matter your age or your income, we can help you to develop a strategy for building up your retirement savings.

When should I start taking my
social security benefit?

Collecting Social Security can happen at any point after you turn 62. However, there are a few things to consider before taking it. We’re here to help you define your options so Social Security is part of your broad-based retirement plan.

Which assets should I draw on first?

This can be a complex decision. Our Portfolio Managers and Tax Professionals can help you develop a plan so you feel comfortable with drawing on your assets during retirement.

I am worried about outliving my assets. What should I do?

You’re in good company!  Our experience is that regardless of the size of a client’s financial assets, this is always a persistent worry.  Remember, it is as much about “Out-go” as it is “In-come.”

Planning For Retirement
IRA, Roth IRA, 401(k), I am confused! Can you help me?

The days of the classic pension plan are long gone and it is now our individual responsibility to figure this out.  We are here to help determine the best way to go.

How much will I need in order to retire?

There is no one savings amount that fits everyone’s needs. Depending on your income, lifestyle, and budget, we can help you create a solid and dependable retirement plan.

When should I start saving for retirement?

It goes without saying, “the earlier the better.” With that said, it is never too late, recognizing that there are often other demands on one’s resources that delay this effort. No matter your age or your income, we can help you to develop a strategy for building up your retirement savings.

When should I start taking my
social security benefit?

Collecting Social Security can happen at any point after you turn 62. However, there are a few things to consider before taking it. We’re here to help you define your options so Social Security is part of your broad-based retirement plan.

Which assets should I draw on first?

This can be a complex decision. Our Portfolio Managers and Tax Professionals can help you develop a plan so you feel comfortable with drawing on your assets during retirement.

I am worried about outliving my assets. What should I do?

You’re in good company!  Our experience is that regardless of the size of a client’s financial assets, this is always a persistent worry.  Remember, it is as much about “Out-go” as it is “In-come.”

Financial Planning
Can I help my grandchildren with their education expenses?

The cost of education keeps rising. We can help you assess how much you are able to give, as well as the most tax efficient way to do so.

Should I rent or buy a home?
Buy or lease the car?

We look at these issues frequently with our clients, and are ready to help you weigh the options and make an informed decision.

Can I afford to make gifts to my children/grandchildren?

Not only do we look to see if a client can afford to make a gift, but more importantly we discuss whether or not a gift is the right thing to do. We also help to determine if a stock gift, direct tuition, help via a loan, or other avenues are the best fit.

What level of spending can my assets support?

Through analyzing your portfolio, integrating assumptions specific to you and calculating your projected income, we can help determine this figure around which we can help you build a sustainable budget.

Charitable Giving
How much can I give to charity? How much should I give?

We recognize that everybody has different priorities and resources. But we also recognize how important it is to support charitable endeavors. We are here to help you identify your charitable goals and find the right vehicle to direct your charitable giving plan.

I cannot keep track of my charitable giving. Can you help?

We help to organize and execute charitable giving plans for most of our clients.  They depend on us to keep things organized so that they can actually feel good about their giving and know that it is being done effectively.

What is the most effective way to make charitable gifts?

While making a donation via check is easy, there are much more effective ways to fulfill your charitable obligations. Transfers of low-basis stock, giving “more” to “less”, the use of donor advised funds, and establishing a foundation are just a few ways we can help you achieve your charitable goals.

Does it make sense for me to set up a foundation?

Establishing a foundation can be a great way to build a long lasting legacy and involve the next generation in philanthropy. Our foundation experience and resources are available to you if this is an avenue you wish to explore.

How do I involve the next generation in charitable giving?

We will work with you to construct a charitable giving plan that anticipates and inspires next-generation involvement.

How do I find organizations that are worthy of my support?

The depth and breadth of experience we have helping clients allows us to guide this process. Our long-standing relationships with social innovators and unique organizations help too.

Estate Planning
I do not have an estate plan. Does that matter?

If you do not have your own, then the state you live in most certainly has one for you – but it may not be exactly what you had in mind!  Anyone over the age of majority should have a simple plan at a minimum and it becomes more important with the passage of time. This is the world we live in daily.

Can you help me put an estate plan in place?

We are not lawyers, and we cannot draft documents, but we are familiar with them and can be an active, practical and facilitating voice in the process. With plenty of resources to draw upon, we can help you complete this all-important task. 

Do I need a trust? What Kind?

Nearly two-thirds of the assets we manage are held in trust so we are well-versed in the different types of trusts, how they help you achieve your goals and how each plays a role in a solid estate plan. We are here to help you understand your options.

Who should I appoint to be my trustee?

Appointing a trustee is not something to be taken lightly. We serve as trustees on the majority of the trusts we manage, or provide trust support, and do so as part of our management fee.  We can help guide you to make the choice that is the best for you and yours.

What other documents might I need?

A Durable Power of Attorney, Will, Healthcare Proxy, Advanced Directive are all important components of a good estate plan that will truly take care of you and your loved ones.  When we meet with our clients, we review their documents and make sure they are up to date. Need help?

How can I eliminate my estate tax burden?

No one is in a hurry to pay estate taxes. We can help strategize ways to minimize the taxes but it is actually the administrative burden of settling an estate that often weighs families down just as much if not more. We deal with this issue all the time and we can assist in the estate settlement process when the time comes.

Investment Advice
I want to take risk, but not lose sleep. What do I do?

There are many factors that determine what amount of risk is right for you. Let us help determine your financial goals and we can make sure your portfolio has a level of risk that is appropriate.  You can take risk and sleep at night!

Should I be concerned about rising interest rates?

The current rising rate environment may be concerning to you, but it also presents an opportunity to put money to work and generate incremental income. Let us help turn this concern into an opportunity.

Can I integrate my ESG interests into an investment plan?

Yes you can, and we can help.  Howland Capital offers dedicated Environmental, Social and Governance (“ESG”) investing alternatives for interested clients.  These investment options can be customized to your specific ESG interests, while leveraging the firm’s proprietary investment management capabilities with a goal of delivering strong risk-adjusted returns.

What is a realistic total return expectation?

One of the benefits of being a long-term investor – a discipline we bring to all of our client relationships – is that the amount of projected return is much more definable and dependable over the long-term. Our client portfolios are individually managed so your return expectations will be relevant to your particular circumstances.

Tax Planning
Do you prepare tax returns?

We have a fully staffed tax department that prepares tax returns for the majority of our clients.  As such, we are very sensitive to the types of investments we put in client portfolios knowing the complexity of tax preparation and reporting on the backend.  We are also equally happy to work with your trusted CPA if that is your preference.

I feel like I am paying too much in taxes. Can you help?

Yes we can. The majority of our portfolios are taxable so we are very sensitive to the effect of our investment strategies on taxes. Both through the investments we make and the management of your portfolio we can help to defer, decrease or eliminate tax burdens. As we do with all clients, we will integrate the expertise of our tax department into the management of your assets.

How does my retirement savings stay tax efficient?

We work with our clients to make sure retirees save as much on taxes as they can. Let us help you come up with a tax efficient retirement plan to fit your financial goals.

How do I know if I have to make estimated tax payments?

Everyone’s tax situation is different. Our tax department will know if these payments need to be made, and we can process them for you.

Our Services

We’re a full-service firm built to meet all of your financial planning needs, and we also anticipate how those needs will change and grow in the future.

 

Investment Management
We have been helping our clients navigate the risks, challenges and opportunities of the financial world for over 50 years. As your advisor, we are more concerned with how we can help than with how much you have. We make sure your assets are properly invested to help you reach your goals. We are the “pros” in this arena.
Trust Services
Trusts are at the core of what we do. The majority of the assets we manage are held in trust, where in many cases we serve as an independent trustee. We also offer trust accounting and tax preparation including principal and income accounting, distributions, estimated tax payments, and K-1 reporting.
Retirement Planning
From real estate to retirement, it has never been more important to take a comprehensive, custom approach to your financial situation. These are important questions that need to be asked of you and your answers need to be considered holistically. We will help you plan and decide upon major life decisions, such as retirement – whatever that might look like.
Tax Planning, Prep & Advice
We will work with you and provide solid guidance on tax-related issues. If tax preparation is what you are looking for, we are in a position to prepare personal, trust, foundation, corporate and other tax returns for you. Advice is easy to get but solid guidance is what we are here for.
Estate Planning Guidance
While not estate planning attorneys, we can review your plan and guide you on what needs to be amended and updated, ensuring that your wishes are met both during and after your lifetime.
Charitable Giving
Whether you are a longtime, seasoned donor or just starting out exploring your philanthropic options, we provide right-sized support to clients, often engaging multiple generations of a family in meaningful charitable giving.
Foundations & Endowments
In addition to investment management of foundation and endowment assets, we help family and charitable foundation clients address a broad range of philanthropic needs, from support of effective grant-making to managing foundation board development and governance.
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