At its core, life insurance is a form of financial protection for loved ones should something happen to you. More specifically, life insurance is a contract with an insurance company that—in exchange for premium payments—guarantees a cash death benefit to beneficiaries if the insured dies while the policy is active.

Sudden wealth can change your life for the better, but only if you’re prepared. See our advice for hiring a team of experts, avoiding common pitfalls, and more.

We cannot say it enough - trusts are at the core of what we do. We often are asked about trustee selection. We hope our beliefs and recommendations help make your decision easier.

We are pleased to announce Nicholas Regan has been promoted to Portfolio Analyst. Nicholas’s promotion acknowledges his commitment to the ongoing success of Howland Capital and our clients.

Our new website is the hub for everything Howland Capital online. Our new layout and navigation will guide you to exactly what information you are looking for.

We are pleased to announce that Pamela Halter, J.D., LL.M has joined the firm as Chief Fiduciary Officer. Pam will oversee the administration of the firm’s trusts and estates, as well as assists clients with estate and tax planning matters. 

With the rise in short-term interest rates, it has been a difficult first half of the year in the bond market. Bond prices have adjusted lower based on the increase in market interest rates and expectations for future increases.

Global equity market performance was disappointing in the second quarter, to put it mildly. U.S. equities, as measured by the S&P 500 Index, decreased 16% in the quarter, including dividends.

If you have ever been a passenger on a plane in turbulent weather (as most have), you have likely experienced the discomfort caused by the bumpy ride.