Through advisory relationships, portfolios are created and managed based on client’s specific goals and family circumstances. A disciplined process is used ‏to filter optimal investment choices for each client individually. Investment selections, ongoing portfolio modifications and continuing advice are made in an unbiased manner, placing each client’s unique needs first. Howard has successfully navigated client’s portfolios through both the most robust and the most challenging of market climates that have occurred over the past two and a half decades.