WELCOME TO THE HOWARD GROUP MY NAME IS MELVIN J. HOWARD
Principal of the Howard Group
Our mission is to help individuals & business owners develop financial objectives, and achieve those objectives through various financial, investment and consulting services that are designed to meet their present and future needs.Our goal is to help you make informed decisions about issues that affect your financial well being so you can achieve financial freedom. The complete picture Portfolio management is only one aspect of the single family office. Significant wealth creates tremendous challenges. A plan of action is vital to ensuring wealth is preserved and maximized for current and future generations. We build this integrated wealth management plan by providing you with sound, objective financial advice and guidance; proactive investment management; meticulous tax planning and preparation; comprehensive financial analysis and insurance assessment; and visionary trust, estate and philanthropy planning. As a single family office, we work closely with families to develop a collaborative plan to complement the services provided by other family advisors. Below is a list of a few of the family wealth management services we provide our clients every day.
An Objective View of Wealth Management Services:
Working with The Howard Group, you get
The full array of investment products you need to pursue and achieve your financial goals and objectives . But without the hidden agendas, cookie-cutter programs common at large, impersonal firms that form barriers to truly enhancing your family wealth.
The Howard Group team will:
Help analyze your individual and family needs and goals
Give you sound, unbiased advice
Execute your plans and requests flawlessly
Keep you well informed with timely information so you can always make quick, smart decisions.
Family Office Services with a Multi-Generational View
As the principal of a wealthy family, you know first-hand how overwhelming a challenge it is to watch over your family and your financial affairs:
providing guidance to accomplish your family's goals
allowing your children to pursue their dreams
caring for your parents ensuring that your money lasts for generations
managing a complex financial world of diverse advisors
funding and managing your philanthropies.What you need is more than traditional wealth management it's life management.
You need someone who can bring professional organization to the complexity of your financial and personal worlds. We make this a reality for you with The Howard Group Family Office services. You'll see that, as a Howard Group Family Office client, you get much more than just traditional wealth management. You get life management, with tasks carried out on your behalf based on your instructions, with complete and timely communications to keep you apprised of your situation at all times, and with 24/7 access to vital information.
The Howard Group Full Family Office Services Suite:
For high-wealth individuals and families, taking advantage of the complete package of Family Office services often makes the most sense because the breadth of the relationship enhances. The Howard Group performance on your behalf, all services are fully coordinated, you always know who to turn to, whatever the need, and the arrangement is more cost efficient.
The typical client that utilizes The Howard Group Full Family Office Services Suite:
Has a total family net worth of at least $10 million is willing to use The Howard Group Family Office and Wealth Management advisors to manage planning and allocation of all investment assets, whether held by The Howard Group or not Desires a comprehensive The Howard Group Investment Performance Report to monitor all their investment activities with one report.
Desires online, real-time net worth statement reporting on all assets through The Howard Group Personal Financial Statement will rely on The Howard Group for all or part of a personal financial plan, including the review and management of an estate plan, property and casualty insurance coverage, cash flow and - when applicable - retirement plan.
The Howard Group Estate Planning:
Provides a comprehensive diagnostic review and strategic plan to meet your estate needs. The plan is developed by our Family Office professionals after meeting with each client to understand their individual goals and objectives and integrating this with their current tax, investment and financial plans. Initial review of current situation and existing estate and trust documents
Discussion of possible wealth accumulation, preservation and distribution strategies.
Integration of estate plan with tax, investment, financial, business, and insurance planning. Resolution of immediate needs, such as guardian issues or living wills. Plan developed to manage problems associated with a sizable inheritance or wealth generating event . A strategy focused on multi-generational planning .Tax-efficient strategies for the transfer of wealth.
Principal of the Howard Group
Our mission is to help individuals & business owners develop financial objectives, and achieve those objectives through various financial, investment and consulting services that are designed to meet their present and future needs.Our goal is to help you make informed decisions about issues that affect your financial well being so you can achieve financial freedom. The complete picture Portfolio management is only one aspect of the single family office. Significant wealth creates tremendous challenges. A plan of action is vital to ensuring wealth is preserved and maximized for current and future generations. We build this integrated wealth management plan by providing you with sound, objective financial advice and guidance; proactive investment management; meticulous tax planning and preparation; comprehensive financial analysis and insurance assessment; and visionary trust, estate and philanthropy planning. As a single family office, we work closely with families to develop a collaborative plan to complement the services provided by other family advisors. Below is a list of a few of the family wealth management services we provide our clients every day.
An Objective View of Wealth Management Services:
Working with The Howard Group, you get
The full array of investment products you need to pursue and achieve your financial goals and objectives . But without the hidden agendas, cookie-cutter programs common at large, impersonal firms that form barriers to truly enhancing your family wealth.
The Howard Group team will:
Help analyze your individual and family needs and goals
Give you sound, unbiased advice
Execute your plans and requests flawlessly
Keep you well informed with timely information so you can always make quick, smart decisions.
Family Office Services with a Multi-Generational View
As the principal of a wealthy family, you know first-hand how overwhelming a challenge it is to watch over your family and your financial affairs:
providing guidance to accomplish your family's goals
allowing your children to pursue their dreams
caring for your parents ensuring that your money lasts for generations
managing a complex financial world of diverse advisors
funding and managing your philanthropies.What you need is more than traditional wealth management it's life management.
You need someone who can bring professional organization to the complexity of your financial and personal worlds. We make this a reality for you with The Howard Group Family Office services. You'll see that, as a Howard Group Family Office client, you get much more than just traditional wealth management. You get life management, with tasks carried out on your behalf based on your instructions, with complete and timely communications to keep you apprised of your situation at all times, and with 24/7 access to vital information.
The Howard Group Full Family Office Services Suite:
For high-wealth individuals and families, taking advantage of the complete package of Family Office services often makes the most sense because the breadth of the relationship enhances. The Howard Group performance on your behalf, all services are fully coordinated, you always know who to turn to, whatever the need, and the arrangement is more cost efficient.
The typical client that utilizes The Howard Group Full Family Office Services Suite:
Has a total family net worth of at least $10 million is willing to use The Howard Group Family Office and Wealth Management advisors to manage planning and allocation of all investment assets, whether held by The Howard Group or not Desires a comprehensive The Howard Group Investment Performance Report to monitor all their investment activities with one report.
Desires online, real-time net worth statement reporting on all assets through The Howard Group Personal Financial Statement will rely on The Howard Group for all or part of a personal financial plan, including the review and management of an estate plan, property and casualty insurance coverage, cash flow and - when applicable - retirement plan.
The Howard Group Estate Planning:
Provides a comprehensive diagnostic review and strategic plan to meet your estate needs. The plan is developed by our Family Office professionals after meeting with each client to understand their individual goals and objectives and integrating this with their current tax, investment and financial plans. Initial review of current situation and existing estate and trust documents
Discussion of possible wealth accumulation, preservation and distribution strategies.
Integration of estate plan with tax, investment, financial, business, and insurance planning. Resolution of immediate needs, such as guardian issues or living wills. Plan developed to manage problems associated with a sizable inheritance or wealth generating event . A strategy focused on multi-generational planning .Tax-efficient strategies for the transfer of wealth.
The Howard Group Trust Administration available for corporate and individual trustees, this service offers enhanced trust services. Best-in-class service offering with all its attendant benefits. No need to deal with ever changing bank trustee personnel. Expenses are paid by the trust The Howard Group Insurance Planning . An independent review of insurance needs is conducted .
The Howard Office team identifies assets and how they are titled, analyzes current situation and vulnerabilities, and reviews current carriers and their ratings. For life insurance, the team reviews existing coverage in terms of your goals and wishes, especially those expressed in your estate plan. Alternative approaches and vendors are reviewed, recommendations are made and the plan is implemented. Benefits include:
Truly independent review of your overall insurance needs. Alternatives to purchasing insurance coverage are considered, such as titling of assets and specific estate planning techniques. Gaps in coverage are identified when multiple brokers are used. Unprotected assets are identified and coverage is recommended.
The Howard Group Philanthropy Planning Assists in establishing a legacy with suitable planned philanthropic giving and the establishment and management of a family philanthropic foundation, including a discussion of your desires, review of various options, and development of a plan for approval. Benefits include:
Personal fulfillment, with a legacy plan that reflects your social concerns, special interests, motivations and degree of commitment. Enhancement of family education though the giving process by providing a structured and guided way for heirs to actively participate in the management of philanthropic efforts.
Ensures maintenance of family ties of future generations. Significant income and estate tax savings can be achieved through philanthropic giving.
The Howard Group Investment Performance Reporting provides The Howard Group clients who have investment accounts held at multiple financial institutions a consolidated investment performance report. The Howard Group Investment Performance Reporting is a historical and transactional view of investment performance to date, enabling you to see where changes may enhance future returns.
Benefits include:
Reporting on investments placed through The Howard Group and with other financial institutions that can be accessed electronically for daily updates and consolidation . Inclusion of other investment assets such as real estate holdings, private equity, hedge funds, stock options, art work, automobiles, and other personal and household assets. Intuitive, easy-to-navigate user interface:
Wide range of reports generated, such as
Statement
Statement Summary
Portfolio Summary
Holdings by Investor
Holdings by Portfolio
Holdings by Classification
Transaction by Investor
Transaction by Portfolio
Asset Allocation by Type
Asset Allocation by Investment Objective
Comparative Holdings
Cost Basis
Model Portfolio Rebalance
Portfolio Value and Benchmark
Multi-Period Performance
Peace of mind, knowing exactly where you stand financially at any given moment
Estate Planning. Significant wealth creates challenges for those who acquired it. Proper planning is critical to successfully maximizing the wealth for current and future generations. Proper preparation requires employing sophisticated techniques, most typically the orchestration of multiple trusts, a family foundation, family limited partnerships, LLC, and so forth. We have significant experience developing estate plans, and thus are perfectly suited to work with you and your estate planning attorney and other wealth transfer specialists to concept innovative ways your wealth can be used to achieve personal and family goals.
Administration of Trusts, Foundations and Partnerships
The process of estate planning usually results in multiple estate planning entities that have unique terms and provisions, as well as tasks that must be routinely monitored to make sure the estate plan is carried out in accordance with your goals and objectives. Our expertise in the administration of these entities relieves you of the burdens of meeting critical deadlines and ensuring that tasks and fiduciary duties are properly fulfilled.
Estate Planning. Significant wealth creates challenges for those who acquired it. Proper planning is critical to successfully maximizing the wealth for current and future generations. Proper preparation requires employing sophisticated techniques, most typically the orchestration of multiple trusts, a family foundation, family limited partnerships, LLC, and so forth. We have significant experience developing estate plans, and thus are perfectly suited to work with you and your estate planning attorney and other wealth transfer specialists to concept innovative ways your wealth can be used to achieve personal and family goals.
Administration of Trusts, Foundations and Partnerships
The process of estate planning usually results in multiple estate planning entities that have unique terms and provisions, as well as tasks that must be routinely monitored to make sure the estate plan is carried out in accordance with your goals and objectives. Our expertise in the administration of these entities relieves you of the burdens of meeting critical deadlines and ensuring that tasks and fiduciary duties are properly fulfilled.
