Trusts, both revocable and irrevocable, can be a great planning tool for all sorts of circumstances, particularly now with the ability to create very flexible trusts. One type of irrevocable trust is called a grantor trust - sometimes referred to as an intentionally defective grantor trust (IDGT) – and it offers potential tax-savings opportunities under the right circumstances.

Have you made a plan for your money this year and beyond? At any stage of life, you can establish financial goals to suit your particular situation. Taking the time now to evaluate your personal finances and set tangible, measurable goals for your money is a strong way to prepare for a secure financial future—whether that is 3 years from now or 30 years from now.

When it comes to investing, innovation and disruption are nothing new. Every so often, something shakes up traditional markets in unexpected ways. Enter meme stocks: a phenomenon that has captivated both seasoned investors and newcomers alike. But what exactly are meme stocks, and why have they gained such popularity?

As 2025 comes to a close, we're reflecting on the year with immense gratitude for our relationship with you. It is a privilege to serve as your wealth management partner, and we sincerely appreciate the confidence you place in us.

We believe that a growing team enhances our ability to deliver the service our clients deserve. It is with great pleasure that we introduce the newest members who have joined us in recent months.

We’re thrilled to share that Howland Capital has been named #7 on CNBC’s 2025 Top 100 Financial Advisor List.

Since September, the Federal Reserve has elected to cut rates three times, each by 25 basis points, bringing the federal funds target range down to 3.5% - 3.75%. The Federal Open Market Committee (FOMC) members continue to navigate a challenging environment characterized by elevated prices alongside a softening job market.

The upward trajectory of equity markets continued in the fourth quarter, with Santa delivering an all-time high for the S&P 500 Index to investors on Christmas Eve, only to be surpassed by New Year’s Eve! As the year comes to a close, the S&P has now closed higher for seven consecutive months and is closing in on the 7,000-point mark, nearly double the lows seen all the way back in… late 2022.

The fourth quarter kicked off with a prolonged government shutdown that caused widespread disruptions for many Americans.  But this came on the heels of strong economic growth in the third quarter, which saw GDP grow at an annualized rate of 4.3%, representing the fastest rate in two years.