[{"data":1,"prerenderedAt":1682},["ShallowReactive",2],{"discover/financial-advice/howard-capital-management-review-published":3,"config-published":809,"i-ph:caret-down-bold":1649,"i-ph:list":1652,"i-ph:instagram-logo":1654,"i-ph:youtube-logo":1656,"i-ph:x-logo":1658,"i-ph:facebook-logo":1660,"i-ph:linkedin-logo":1662,"i-ph:caret-up-bold":1664,"i-uil:list-ul":1666,"i-uil:user-check":1669,"i-ph:magnifying-glass":1671,"breadcrumbs-/discover/financial-advice/howard-capital-management-review":1673,"i-ph:caret-right":1680},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":801,"full_slug":802,"sort_by_date":22,"position":803,"tag_list":804,"is_startpage":706,"parent_id":805,"meta_data":22,"group_id":806,"first_published_at":807,"release_id":22,"lang":751,"path":22,"alternates":808,"default_full_slug":22,"translated_slugs":22},"Howard Capital Management review","2026-06-12T08:38:21.284Z","2026-06-16T12:35:37.364Z","2026-06-16T12:35:37.403Z",186629739696194,"fc7e1fa4-3280-4340-a1e1-3ddb673cb719",{"_uid":11,"body":12,"hero":697,"author":728,"series":702,"sidebar":753,"hide_cta":706,"metatags":772,"reviewer":776,"component":796,"updatedAt":702,"series_order":702,"bottom_banner":797,"fullWidthMode":706,"subcategories":798,"hideEmbeddedMF":706,"hide_pro_banner":727,"intro_paragraph":799,"series_dropdown":706,"intro_subheading":702,"series_navigation":727,"table_of_contents":727,"outgrow_calculator":800,"series_dropdown_label":702,"hide_email_signup_widget":727,"show_compound_calculator":706,"show_roth_ira_calculator":706,"show_footer_sticky_banner":706,"show_retirement_calculator":706,"show_capital_gains_calculator":706},"fc9fc088-12d2-40fb-bc30-f3859e0894bd",[13],{"_uid":14,"data":15,"component":696},"de984d54-cebe-4d42-b0a5-b408b325db9f",{"type":16,"content":17},"doc",[18,34,43,51,59,68,120,128,137,145,153,162,170,178,228,236,286,295,303,311,319,327,336,344,363,371,380,388,396,446,454,504,513,521,529,537,545,554,562,570,579,587,595,629,638,646,654,662,671],{"type":19,"attrs":20,"content":23},"heading",{"level":21,"textAlign":22},2,null,[24],{"text":25,"type":26,"marks":27},"What does Howard Capital Management do?","text",[28,32],{"type":29,"attrs":30},"textStyle",{"color":31},"#000000",{"type":33},"bold",{"type":35,"attrs":36,"content":37},"paragraph",{"textAlign":22},[38],{"text":39,"type":26,"marks":40},"Howard Capital Management (HCM) is an advisor-led portfolio management service primarily for investors seeking tactical, risk-managed portfolio models rather than self-directed investing. ",[41],{"type":29,"attrs":42},{"color":31},{"type":35,"attrs":44,"content":45},{"textAlign":22},[46],{"text":47,"type":26,"marks":48},"HCM typically manages portfolios introduced by an outside financial professional, while that professional maintains the day-to-day client relationship.",[49],{"type":29,"attrs":50},{"color":31},{"type":35,"attrs":52,"content":53},{"textAlign":22},[54],{"text":55,"type":26,"marks":56},"The firm is an SEC-registered investment adviser and is based in Roswell, Georgia. As of December 2025, it reported about $8 billion in discretionary client assets. ",[57],{"type":29,"attrs":58},{"color":31},{"type":35,"attrs":60,"content":61},{"textAlign":22},[62],{"text":63,"type":26,"marks":64},"Key services:",[65,67],{"type":29,"attrs":66},{"color":31},{"type":33},{"type":69,"content":70},"bullet_list",[71,88,104],{"type":72,"content":73},"list_item",[74],{"type":35,"attrs":75,"content":76},{"textAlign":22},[77,83],{"text":78,"type":26,"marks":79},"Diversified portfolio management: ",[80,82],{"type":29,"attrs":81},{"color":31},{"type":33},{"text":84,"type":26,"marks":85},"Here, an investment professional gathers information about the client’s financial situation, risk tolerance and objectives, then HCM manages the assets through its models, strategies, and investment vehicles.",[86],{"type":29,"attrs":87},{"color":31},{"type":72,"content":89},[90],{"type":35,"attrs":91,"content":92},{"textAlign":22},[93,99],{"text":94,"type":26,"marks":95},"Private wealth services:",[96,98],{"type":29,"attrs":97},{"color":31},{"type":33},{"text":100,"type":26,"marks":101}," It focuses on investment portfolio management and may also involve coordination with outside vendors for estate, business, and tax-reduction strategies.",[102],{"type":29,"attrs":103},{"color":31},{"type":72,"content":105},[106],{"type":35,"attrs":107,"content":108},{"textAlign":22},[109,115],{"text":110,"type":26,"marks":111},"Sub-advisory services: ",[112,114],{"type":29,"attrs":113},{"color":31},{"type":33},{"text":116,"type":26,"marks":117},"HCM may act as a sub-adviser to unaffiliated registered investment advisers, while the outside adviser maintains the client relationship.",[118],{"type":29,"attrs":119},{"color":31},{"type":35,"attrs":121,"content":122},{"textAlign":22},[123],{"text":124,"type":26,"marks":125},"HCM also offers mutual fund and ETF advisory services, SDBA services, 401(k) optimizer, and HCM Guided Retirement and TSP Optimizer.",[126],{"type":29,"attrs":127},{"color":31},{"type":35,"attrs":129,"content":130},{"textAlign":22},[131],{"text":132,"type":26,"marks":133},"Investment philosophy:",[134,136],{"type":29,"attrs":135},{"color":31},{"type":33},{"type":35,"attrs":138,"content":139},{"textAlign":22},[140],{"text":141,"type":26,"marks":142},"HCM’s investment approach is tactical and trend-driven. ",[143],{"type":29,"attrs":144},{"color":31},{"type":35,"attrs":146,"content":147},{"textAlign":22},[148],{"text":149,"type":26,"marks":150},"It uses its proprietary HCM-BuyLine® indicator to determine when and how much to invest in equities, increasing equity exposure in favorable trends and moving toward cash or short-term bonds in weaker markets.",[151],{"type":29,"attrs":152},{"color":31},{"type":19,"attrs":154,"content":155},{"level":21,"textAlign":22},[156],{"text":157,"type":26,"marks":158},"What are the pros and cons of Howard Capital Management?",[159,161],{"type":29,"attrs":160},{"color":31},{"type":33},{"type":35,"attrs":163,"content":164},{"textAlign":22},[165],{"text":166,"type":26,"marks":167},"Below is an overview of the pros and cons of Howard Capital Management. ",[168],{"type":29,"attrs":169},{"color":31},{"type":35,"attrs":171,"content":172},{"textAlign":22},[173],{"text":174,"type":26,"marks":175},"Pros of Howard Capital Management:",[176],{"type":29,"attrs":177},{"color":31},{"type":69,"content":179},[180,196,212],{"type":72,"content":181},[182],{"type":35,"attrs":183,"content":184},{"textAlign":22},[185,191],{"text":186,"type":26,"marks":187},"Discretionary management:",[188,190],{"type":29,"attrs":189},{"color":31},{"type":33},{"text":192,"type":26,"marks":193}," HCM can make portfolio decisions without requiring client approval for each trade, which may suit investors who want delegated portfolio management.",[194],{"type":29,"attrs":195},{"color":31},{"type":72,"content":197},[198],{"type":35,"attrs":199,"content":200},{"textAlign":22},[201,207],{"text":202,"type":26,"marks":203},"Defined tactical framework: ",[204,206],{"type":29,"attrs":205},{"color":31},{"type":33},{"text":208,"type":26,"marks":209},"HCM’s process uses the HCM-BuyLine and may also incorporate HCM Pivot Point® indicators, providing the strategy with a structured, rules-informed basis.",[210],{"type":29,"attrs":211},{"color":31},{"type":72,"content":213},[214],{"type":35,"attrs":215,"content":216},{"textAlign":22},[217,223],{"text":218,"type":26,"marks":219},"Multiple portfolio models:",[220,222],{"type":29,"attrs":221},{"color":31},{"type":33},{"text":224,"type":26,"marks":225}," The website lists a broad menu of separately managed accounts across different risk and return profiles.",[226],{"type":29,"attrs":227},{"color":31},{"type":35,"attrs":229,"content":230},{"textAlign":22},[231],{"text":232,"type":26,"marks":233},"Cons of Howard Capital Management:",[234],{"type":29,"attrs":235},{"color":31},{"type":69,"content":237},[238,254,270],{"type":72,"content":239},[240],{"type":35,"attrs":241,"content":242},{"textAlign":22},[243,249],{"text":244,"type":26,"marks":245},"Minimum account size may be high for smaller investors:",[246,248],{"type":29,"attrs":247},{"color":31},{"type":33},{"text":250,"type":26,"marks":251}," HCM generally requires $25,000 to open and maintain an advisory account.",[252],{"type":29,"attrs":253},{"color":31},{"type":72,"content":255},[256],{"type":35,"attrs":257,"content":258},{"textAlign":22},[259,265],{"text":260,"type":26,"marks":261},"Active trading and volatility risk: ",[262,264],{"type":29,"attrs":263},{"color":31},{"type":33},{"text":266,"type":26,"marks":267},"HCM discloses that its strategies may involve above-average turnover and volatility compared with strategies offered by other advisers.",[268],{"type":29,"attrs":269},{"color":31},{"type":72,"content":271},[272],{"type":35,"attrs":273,"content":274},{"textAlign":22},[275,281],{"text":276,"type":26,"marks":277},"Limited direct planning role: ",[278,280],{"type":29,"attrs":279},{"color":31},{"type":33},{"text":282,"type":26,"marks":283},"HCM says it does not provide financial planning, tax preparation, estate documents, accounting, recordkeeping or insurance services.",[284],{"type":29,"attrs":285},{"color":31},{"type":19,"attrs":287,"content":288},{"level":21,"textAlign":22},[289],{"text":290,"type":26,"marks":291},"Howard Capital Management fees: How much does Howard Capital Management cost?",[292,294],{"type":29,"attrs":293},{"color":31},{"type":33},{"type":35,"attrs":296,"content":297},{"textAlign":22},[298],{"text":299,"type":26,"marks":300},"For diversified portfolio management and private wealth services, HCM’s advisory fee is negotiable and based on assets under management (AUM). ",[301],{"type":29,"attrs":302},{"color":31},{"type":35,"attrs":304,"content":305},{"textAlign":22},[306],{"text":307,"type":26,"marks":308},"The portion HCM retains after paying the client’s primary investment professional may not exceed 1.1% of AUM.",[309],{"type":29,"attrs":310},{"color":31},{"type":35,"attrs":312,"content":313},{"textAlign":22},[314],{"text":315,"type":26,"marks":316},"Investors may also pay underlying mutual fund or ETF expenses, transaction charges, and brokerage fees. ",[317],{"type":29,"attrs":318},{"color":31},{"type":35,"attrs":320,"content":321},{"textAlign":22},[322],{"text":323,"type":26,"marks":324},"HCM specifically notes that advisory fees are separate from the fees and expenses charged by mutual funds and ETFs.",[325],{"type":29,"attrs":326},{"color":31},{"type":19,"attrs":328,"content":329},{"level":21,"textAlign":22},[330],{"text":331,"type":26,"marks":332},"What is Howard Capital Management’s minimum account size?",[333,335],{"type":29,"attrs":334},{"color":31},{"type":33},{"type":35,"attrs":337,"content":338},{"textAlign":22},[339],{"text":340,"type":26,"marks":341},"HCM generally requires $25,000 to open and maintain an advisory account.",[342],{"type":29,"attrs":343},{"color":31},{"type":35,"attrs":345,"content":346},{"textAlign":22},[347,352,358],{"text":348,"type":26,"marks":349},"For SDBA and variable annuity minimums,",[350],{"type":29,"attrs":351},{"color":31},{"text":353,"type":26,"marks":354}," ",[355,357],{"type":29,"attrs":356},{"color":31},{"type":33},{"text":359,"type":26,"marks":360},"HCM generally requires $15,000 for Self-Directed Brokerage Window services or for managing assets held in a variable annuity.",[361],{"type":29,"attrs":362},{"color":31},{"type":35,"attrs":364,"content":365},{"textAlign":22},[366],{"text":367,"type":26,"marks":368},"Some investment models require higher balances. For example, the Ultra Aggressive model requires $500,000.",[369],{"type":29,"attrs":370},{"color":31},{"type":19,"attrs":372,"content":373},{"level":21,"textAlign":22},[374],{"text":375,"type":26,"marks":376},"Who should choose Howard Capital Management?",[377,379],{"type":29,"attrs":378},{"color":31},{"type":33},{"type":35,"attrs":381,"content":382},{"textAlign":22},[383],{"text":384,"type":26,"marks":385},"Howard Capital Management may be a fit for investors who want an advisor-managed, discretionary portfolio strategy focused on tactical risk management rather than comprehensive financial planning. However, it’s worth doing a deep dive on a firm and its suitability for your needs before you agree to move forward. ",[386],{"type":29,"attrs":387},{"color":31},{"type":35,"attrs":389,"content":390},{"textAlign":22},[391],{"text":392,"type":26,"marks":393},"Howard Capital Management works well for:",[394],{"type":29,"attrs":395},{"color":31},{"type":69,"content":397},[398,414,430],{"type":72,"content":399},[400],{"type":35,"attrs":401,"content":402},{"textAlign":22},[403,409],{"text":404,"type":26,"marks":405},"Investors comfortable with tactical management:",[406,408],{"type":29,"attrs":407},{"color":31},{"type":33},{"text":410,"type":26,"marks":411}," The service is built around adjusting equity exposure in response to market-trend signals.",[412],{"type":29,"attrs":413},{"color":31},{"type":72,"content":415},[416],{"type":35,"attrs":417,"content":418},{"textAlign":22},[419,425],{"text":420,"type":26,"marks":421},"Investors seeking model-based portfolios:",[422,424],{"type":29,"attrs":423},{"color":31},{"type":33},{"text":426,"type":26,"marks":427}," HCM lists multiple separately managed account models across different risk profiles.",[428],{"type":29,"attrs":429},{"color":31},{"type":72,"content":431},[432],{"type":35,"attrs":433,"content":434},{"textAlign":22},[435,441],{"text":436,"type":26,"marks":437},"Private Wealth Services:",[438,440],{"type":29,"attrs":439},{"color":31},{"type":33},{"text":442,"type":26,"marks":443}," HCM works with advisors and high-net-worth clients to build customized investment strategies,",[444],{"type":29,"attrs":445},{"color":31},{"type":35,"attrs":447,"content":448},{"textAlign":22},[449],{"text":450,"type":26,"marks":451},"Who might not benefit as much:",[452],{"type":29,"attrs":453},{"color":31},{"type":69,"content":455},[456,472,488],{"type":72,"content":457},[458],{"type":35,"attrs":459,"content":460},{"textAlign":22},[461,467],{"text":462,"type":26,"marks":463},"Clients wanting full financial planning: ",[464,466],{"type":29,"attrs":465},{"color":31},{"type":33},{"text":468,"type":26,"marks":469},"HCM states that it does not provide financial planning or related consulting services.",[470],{"type":29,"attrs":471},{"color":31},{"type":72,"content":473},[474],{"type":35,"attrs":475,"content":476},{"textAlign":22},[477,483],{"text":478,"type":26,"marks":479},"Low-turnover, buy-and-hold investors: ",[480,482],{"type":29,"attrs":481},{"color":31},{"type":33},{"text":484,"type":26,"marks":485},"HCM’s strategies may involve frequent trading, which can increase transaction costs and tax effects.",[486],{"type":29,"attrs":487},{"color":31},{"type":72,"content":489},[490],{"type":35,"attrs":491,"content":492},{"textAlign":22},[493,499],{"text":494,"type":26,"marks":495},"Investors avoiding proprietary-fund conflicts:",[496,498],{"type":29,"attrs":497},{"color":31},{"type":33},{"text":500,"type":26,"marks":501}," HCM discloses that its models generally use its proprietary funds, creating a material conflict of interest.",[502],{"type":29,"attrs":503},{"color":31},{"type":19,"attrs":505,"content":506},{"level":21,"textAlign":22},[507],{"text":508,"type":26,"marks":509},"Howard Capital Management: Is it secure?",[510,512],{"type":29,"attrs":511},{"color":31},{"type":33},{"type":35,"attrs":514,"content":515},{"textAlign":22},[516],{"text":517,"type":26,"marks":518},"HCM is an SEC-registered investment adviser.",[519],{"type":29,"attrs":520},{"color":31},{"type":35,"attrs":522,"content":523},{"textAlign":22},[524],{"text":525,"type":26,"marks":526},"Independent qualified custodians hold client funds and securities, and clients receive custodian account statements at least quarterly. ",[527],{"type":29,"attrs":528},{"color":31},{"type":35,"attrs":530,"content":531},{"textAlign":22},[532],{"text":533,"type":26,"marks":534},"It restricts access to non-public personal information to people who need that information to process and service client accounts. ",[535],{"type":29,"attrs":536},{"color":31},{"type":35,"attrs":538,"content":539},{"textAlign":22},[540],{"text":541,"type":26,"marks":542},"HCm also states the firm maintains physical, electronic and procedural safeguards that comply with state and federal standards.",[543],{"type":29,"attrs":544},{"color":31},{"type":19,"attrs":546,"content":547},{"level":21,"textAlign":22},[548],{"text":549,"type":26,"marks":550},"Howard Capital Management: Customer service",[551,553],{"type":29,"attrs":552},{"color":31},{"type":33},{"type":35,"attrs":555,"content":556},{"textAlign":22},[557],{"text":558,"type":26,"marks":559},"Howard Capital Management provides an advisor-led portfolio management service, but most client communication goes through the outside broker-dealer or investment adviser who introduces the client to HCM. ",[560],{"type":29,"attrs":561},{"color":31},{"type":35,"attrs":563,"content":564},{"textAlign":22},[565],{"text":566,"type":26,"marks":567},"HCM’s role is mainly portfolio management, while the outside advisor generally maintains the day-to-day relationship and helps determine whether HCM’s strategies are suitable for the client.",[568],{"type":29,"attrs":569},{"color":31},{"type":19,"attrs":571,"content":572},{"level":21,"textAlign":22},[573],{"text":574,"type":26,"marks":575},"Howard Capital Management: Mobile app",[576,578],{"type":29,"attrs":577},{"color":31},{"type":33},{"type":35,"attrs":580,"content":581},{"textAlign":22},[582],{"text":583,"type":26,"marks":584},"Howard Capital Management offers mobile access to authorized users via the Axos Clearing LLC “Liberty” app. The app is described as a tool for staying in touch with Howard Capital Management and accessing information from a mobile device.",[585],{"type":29,"attrs":586},{"color":31},{"type":35,"attrs":588,"content":589},{"textAlign":22},[590],{"text":591,"type":26,"marks":592},"The app features 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