Howard Capital Management, Inc. logo

Howard Capital Management, Inc.

Updated today

Total assets under management

$6,866,502,932

Total clients

10,346

7% high-net worth

Total advisors

15

of 43 employees

Firm size

Multi Team

Average clients per advisor

690

Average account size

$663,687

About

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.

Client services

Portfolio management

Fee options

Percentage

$0+: up to 1.1% of assets under management (negotiable and may vary by client) $0+: 0.06% of plan assets for HCM Guided Retirement plan fee (assessed quarterly, in arrears) $0+: 0.40% annual participant-level fee on assets placed within Custom Models of HCM Guided Retirement (includes custodial fees) $0+: Custodial fees of 0.025% to 0.035% (2.5 to 3.5 basis points) for plans selecting HCM Blended Models

Other

Account minimum: $25,000 to open and maintain an advisory account; $15,000 minimum for Self-Directed Brokerage Window services or managing assets held in a variable annuity; $500,000 minimum for Ultra Aggressive investment allocation model Fee-only: Fee-only discretionary investment management services; advisory fees generally up to 1.1% AUM (negotiable)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Main office location

Howard Capital Management, Inc.

1145 Hembree Rd.

Roswell GA 30076, United States

Number of offices

4

Warmer team member

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")