Howard Capital Management, Inc.

Howard Capital Management provides discretionary and non‑discretionary portfolio management to individuals (including high‑net‑worth clients), trusts, retirement plan participants, and other investment advisers, and also serves as sub‑adviser and investment adviser to its proprietary mutual funds and ETFs. It supports retirement plan participants through web‑based tools and programs such as 401(k) Optimizer, HCM Guided Retirement, and TSP Optimizer, and offers a self‑directed brokerage window and private wealth services.

The firm’s investment process centers on proprietary technical indicators — most notably HCM‑BuyLine® and HCM Pivot Point® — which it uses to signal when and how much to invest in equities across client accounts, funds, and model portfolios. Its strategies are tactical in nature and may move allocations into cash or short‑term bonds during downturns; the firm also manages registered investment companies that can use leveraged funds and derivatives when permitted by fund documents.

Howard is notable among multi‑team advisers for a combination of characteristics that are uncommon among peers: it operates a subscription offering for its participant tools, maintains an unusually large client load relative to advisor count (roughly 10,300 clients across 15 advisors), and both manages and recommends its own mutual funds and ETFs to client accounts while also providing sub‑advisory services to other advisers. The firm’s business model includes a referral/solicitor program and multiple public educational and marketing channels (including HCM University and seminars), and it discloses the potential for material conflicts where clients may be invested in affiliated funds that generate separate management compensation.