{"url":"https://nivawealth.com/firms/howland-and-associates-106963","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/106963","regulatoryAum":138704932,"crd":"106963","secFileNumber":"801-136782","legalName":"Howland and Associates, LLC","displayName":"Howland and Associates","slug":"howland-and-associates-106963","website":"https://investhowland.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Florida limited liability company","fiscalYearEnd":"December","headquarters":{"street":"10261 4th Street N.","city":"St Petersburg","state":"FL","stateName":"Florida","country":"United States","postalCode":"33716"},"tradeNames":[],"registration":{"secApproved":"13 August 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2153975.26984127,"staff":{"employees":5,"advisory":4,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":138704932,"discretionary":138704932,"discretionaryAccounts":67,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":21,"regulatoryAum":3923410},{"label":"High-net-worth individuals","clients":42,"regulatoryAum":131777032},{"label":"Corporations and other businesses","clients":4,"fewerThan5":true,"regulatoryAum":3004490}],"feePrograms":[{"role":"main","program":"Investment management","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1048868","versionId":1048868,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-06-18","documentName":"HOWLAND 06_18_2026_ADV_PART_2_BROCHURE","fee_rate_low":null,"fee_rate_high":1.2,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"HARP (Howland and Associates Repository Program)","summary":"Annual investment management fee of 0.12%, billed monthly, with a $25 monthly minimum fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1048868","versionId":1048868,"submittedOn":"2026-06-18","documentName":"HOWLAND 06_18_2026_ADV_PART_2_BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T11:53:41.826233+00:00","documents":[{"name":"HOWLAND 06_18_2026_ADV_PART_2_BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1048868","versionId":1048868,"submittedOn":"2026-06-18"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1028584","versionId":1028584,"submittedOn":null}]},"custodians":[],"custodyNote":"Howland and Associates does not have custody of client assets.","leadership":[],"ownership":[],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"10261 4th Street N.","city":"St Petersburg","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"813-333-2900","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for individuals and/or small businesses"],"financialPlanningClients":null,"assetMix":[{"label":"Exchange-traded equity securities","percent":82},{"label":"U.S. government/agency bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Cash and cash equivalents","percent":16}],"privateFunds":0},"sources":{"adv1FilingDate":"11 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/106963/PDF/106963.pdf","brochureDate":"18 June 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1048868","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Howland and Associates have?","answer":"Howland and Associates has 67 clients and manages $139 million for them, as of August 2026. They include 42 high-net-worth individuals, 21 individual clients, and 4 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 11 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Howland and Associates offer?","answer":"Howland and Associates provides portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Howland and Associates charge?","answer":"Howland and Associates charges up to 1.20% a year for its Investment management. The fee is billed in advance.","source":"HOWLAND 06_18_2026_ADV_PART_2_BROCHURE, filed 18 June 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"How many financial advisors does Howland and Associates have?","answer":"Howland and Associates has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Howland and Associates invest in?","answer":"At the end of its last fiscal year, Howland and Associates’ separately managed accounts held 82% exchange-traded equities, 16% cash and equivalents, 1% U.S. government and agency bonds and 1% investment grade corporate bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How does Howland and Associates get paid?","answer":"Howland and Associates is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Howland and Associates registered with the SEC?","answer":"Yes, Howland and Associates has been registered with the SEC as an investment adviser since 13 August 2026. Its CRD number is 106963 and its SEC file number is 801-136782.","source":"Form ADV Part 1A, Item 1, filed 11 August 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Howland and Associates?","answer":"Howland and Associates’ main office is at 10261 4th Street N., St Petersburg, FL 33716. Its phone number is 813-333-2900. Its website is investhowland.com.","source":"Form ADV Part 1A, Item 1.F, filed 11 August 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}