Howe And Rusling, Inc.

Howe and Rusling, Inc. is a registered investment advisor founded in 1930, specializing in large-cap equity and intermediate fixed income investment management. The firm offers estate planning services and financial planning/consulting services covering various areas such as tax, retirement, and investments. Howe and Rusling may use outside asset managers and ETFs but mainly focuses on security selection. The firm has three primary equity strategies and conducts thorough analysis for fixed income investments. Clients can impose restrictions on certain investments, and Howe and Rusling does not participate in wrap fee programs. The firm had 2,305 discretionary accounts and 93 non-discretionary accounts as of December 31, 2022. Regarding fees, the minimum quarterly fee is $1,500 for equity and balanced accounts, $1,250 for fixed income-only accounts, and 0.20% for ETF-only accounts. Howe and Rusling may reduce fees under certain circumstances and offers financial planning services at no additional cost. The firm acts as a fiduciary and has investment discretion over client accounts. Howe and Rusling's proxy voting policies and procedures ensure that proxy votes are cast in the best interests of clients. Clients receive account statements directly from the custodian, and the firm maintains records of proxy voting and client requests for information on voted proxies. Howe and Rusling does not have any financial conditions impairing its ability to meet commitments to clients.