Investment advisory services.

how we work

Strategies for every stage of life.

Modern Portfolio Theory guides the advisory process at William Howard. Asset class selection—how assets are allocated—is the dominant factor in determining total portfolio return. We believe a long-term, diversified asset allocation strategy is the best method for clients to achieve their financial goals. The design and management process for our customized portfolios is completed in-house and in consultation with our clients. Charles Schwab acts as the primary custodian of our client assets.

A white background with a few lines on it
Client-centered approach
A white background with a few lines on it
Risk-aligned portfolios
A white background with a few lines on it
Clear, objective guidance
A white background with a few lines on it
Academic-based insights
A white background with a few lines on it
Time-driven wealth building
Get in touch.
Consistent, tailored strategies

Time-tested investment guidance.

The investment advisory process at William Howard& Co. follows an academic-based, client-centered approach designed to assist our clients in meeting their investment objectives while mitigating risk. All portfolios are customized to reflect the unique financial situation and personal risk tolerance of our clients. Our philosophy is grounded on the principles of Modern Portfolio Theory.

Get in touch.
what to expect

Our investment advisory process.

A clipboard with a strategy on it and an arrow pointing to the right
A computer monitor with a dollar sign on it and an arrow pointing to the right
A yellow circle with a graph and an arrow pointing to the right
A magnifying glass with a graph inside of it

1

Establish, Develop, and Define

We recognize client goals and values are unique, and our customized investment planning process provides tailored solutions to establish a solid foundation and a confident path forward. This starts by developing a client investment policy statement that will help quantify investment objectives, set investment parameters and constraints, establish procedures for selecting investments, define appropriate asset classes, and establish acceptable procedures for comparing and evaluating investments.

2

Implement

Once management decisions are defined, the action of implementing this custom plan begins. We follow the parameters and constraints of the investment policy and design an investment portfolio whose risk level and performance are consistent with the specific needs of the client.

3

Monitor

Our goal is to help clients stay on track toward their long-term objectives. Our process is designed to provide ongoing supervision of investment policies and strategies. We collaborate with clients to measure progress through regular conversations, digital client portal access, and quarterly performance reports.

4

Evaluate & Modify

We work together with clients to address implementation responsibilities for the plan. The client collaborative process helps to guide our identification and selection of actions, products, or services. Using a team approach, we coordinate with other financial professionals when necessary to implement plan recommendations.

Have more questions?

  • What is your investment approach?

    Our approach is rooted in academic research and designed to align with your financial goals and risk tolerance. We focus on building diversified portfolios to achieve long-term growth and stability.

  • How are investment recommendations tailored to me?

    We take time to understand your unique financial situation, objectives, and preferences. Your portfolio is then customized to reflect these priorities, ensuring strategies that align with your vision.

  • How do you manage investment risk?

    We emphasize diversification, disciplined decision-making, and strategies aligned with your risk tolerance. Our proactive management approach ensures your portfolio adapts to changing market conditions.