Howland Capital Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for pooled vehicles, selecting other managers, publishing newsletters, educational seminars, education planning, estate planning, insurance, philanthropic planning, tax planning, and tax preparation. Financial planning was provided to 1,000 clients last fiscal year. The firm advises 6 private funds.
Howland Capital Management reports 1,310 clients. They include 1,125 individual clients, 145 high-net-worth individuals and 27 charitable organizations. Of its assets, 100.0% ($3.74B across 2,010 accounts) are managed with discretion. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 86% | 36% |
| High-net-worth individuals | 11% | 51% |
| Pension and profit-sharing plans | <1% | <1% |
| Charitable organizations | 2% | 10% |
| Corporations and other businesses | <1% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 1,125 | $1.35B | 36.1% | $1.2M |
| High-net-worth individuals | 145 | $1.92B | 51.3% | $13.2M |
| Pension and profit-sharing plans | 5 | $24.8M | 0.7% | $4.97M |
| Charitable organizations | 27 | $375M | 10.0% | $13.9M |
| Corporations and other businesses | 8 | $73.9M | 2.0% | $9.24M |
| Total | 1,310 | $3.74B | 100% | $2.85M |
- Clients
- 1,125
- Regulatory AUM
- $1.35B
- AUM share
- 36.1%
- Avg. per client
- $1.2M
- Clients
- 145
- Regulatory AUM
- $1.92B
- AUM share
- 51.3%
- Avg. per client
- $13.2M
- Clients
- 5
- Regulatory AUM
- $24.8M
- AUM share
- 0.7%
- Avg. per client
- $4.97M
- Clients
- 27
- Regulatory AUM
- $375M
- AUM share
- 10.0%
- Avg. per client
- $13.9M
- Clients
- 8
- Regulatory AUM
- $73.9M
- AUM share
- 2.0%
- Avg. per client
- $9.24M
Total
- Clients
- 1,310
- Regulatory AUM
- $3.74B
- AUM share
- 100%
- Avg. per client
- $2.85M
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 6
- Financial planning clients last fiscal year
- 1000
Howland Capital Management charges 0.30%–1.00% a year for its Investment advisory fee. Each asset band is charged at its own rate. The fee is billed in arrears. The brochure also prices 3 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M–$2M | 0.80% |
| $2M–$3M | 0.70% |
| $3M–$4M | 0.55% |
| $4M–$5M | 0.45% |
| $5M–$15M | 0.35% |
| $15M and above | 0.30% |
Fee details and sources
Other fees
- Investment consulting
- Investment consulting is charged separately from the advisory fee; the brochure states no rate.
- Tax services
- Tax services, including tax preparation, are charged separately from the advisory fee; the brochure states no rate.
- Trust and estate fees
- Estate and trust settlement fees apply when a firm member serves as personal representative, executor or trustee, and some trusts carry an additional annual administration fee; no amount is stated.
The leadership team of Howland Capital Management includes President Charles Clapp. It has 35 employees, 11 of them in advisory roles.
Leadership
- Charles ClappMember, President, Director
- Richard AdlerDirector
- Carolyn BeattyDirector
- Faisal ButtMember
- Tracy GibbsMember, Director
- Weston HowlandMember, CEO, Director
- Carol TullyDirector
- Maureen QuigleyMember, CCO
- Peter DixonMember, CIO
- Andrew DupeeMember
- Nicholas CrockerMember
- Daniella MacritchieMember, COO
Investment adviser representatives
11 representatives listed in the SEC register as of 9 October 2026.
- Charles Elmer Clapp III
- Nicholas Begelow Crocker
- Peter H. Dixon
- Tracy Alexandra Gibbs
- Weston Howland III
- Francis Gardner Jackson
- Lisa Marie MacEwen
- Samuel Hill Ober
- Maureen Elizabeth Quigley
- Cameron Reza Rahbar
- Andrew William Swanson
Staff
- 35 employees
- 11 in advisory functions
- 11 state-registered reps
- Owns 10% to 25% of Howland Capital Management LLC
Charles Clapp
Control person · since January 2001
- Owns 10% to 25% of Howland Capital Management LLC
Weston Howland
Control person · since January 1992
- Owns 10% to 25% of Howland Capital Management LLC
Peter Dixon
Control person · since October 2019
- Owns 10% to 25% of Howland Capital Management LLC
Tracy Gibbs
since January 2015
- Owns 10% to 25% of Howland Capital Management LLC
Howland Capital Management, Inc.
since January 2012
- Owns 5% to 10% of Howland Capital Management LLC
Maureen Quigley
Control person · since January 2015
- Owns 5% to 10% of Howland Capital Management LLC
Andrew Dupee
since January 2015
- Owns 5% to 10% of Howland Capital Management LLC
Nicholas Crocker
since October 2019
- Owns 5% to 10% of Howland Capital Management LLC
Daniella Macritchie
Control person · since January 2023
Howland Capital Management’s regulatory assets grew from $2.56B (March 2021) to $3.74B (March 2026); clients rose from 1,096 to 1,310 and employees from 27 to 35.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $3.74B | 1,310 | 35 | 1 |
| March 2025 | $3.32B | 1,210 | 33 | 1 |
| March 2024 | $2.78B | 1,195 | 32 | 1 |
| March 2023 | $2.58B | 1,189 | 31 | 1 |
| April 2022 | $2.9B | 1,635 | 27 | 1 |
| March 2021 | $2.56B | 1,096 | 27 | 1 |
Besides its headquarters, Howland Capital Management has 0 offices, with 1 listed address in Massachusetts.
Massachusetts · 1 listed address
- 75 Federal St, Ste 1100, BostonHQ
Contact and registration details
- Legal name
- Howland Capital Management LLC
- Headquarters
- 75 Federal St, Ste 1100, Boston, MA 02110-1911
- Website
- howlandcapital.com
- Phone
- 617-357-9110
- @howland-capital
- SEC file
- 801-8390
- Founded
- 1967
- Structure
- Massachusetts LLC
- Fiscal year end
- December
Howland Capital Management uses National Advisors Trust ($2.45B, 66%) and Charles Schwab ($1.25B, 34%) as custodians for its separately managed accounts. Howland Capital Management has custody of $3.7B in client assets for 2,006 clients.
- National Advisors TrustNational Advisors Trust Company · Leawood, KS · $2.45B66%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $1.25B34%
At year end, Howland Capital Management’s separately managed accounts were mostly in stocks (60%) and funds (16%). Its reported 13F holdings for the quarter ended 30 June 2026 total $2.77B across 278 positions; the largest are Vanguard Intl Equity Index F (6.6%), Alphabet Inc. (6.4%) and Apple Inc. (5.5%).
What the accounts hold
- Stocks60%
- Exchange-traded equities58%
- Non-exchange-traded equities2%
- Funds16%
- Registered funds10%
- Pooled vehicles6%
- Bonds13%
- Investment grade corporate bonds8%
- U.S. government and agency bonds2%
- State and local bonds2%
- Sovereign bonds1%
- Cash10%
- Other1%
- Structured notes, insurance policies, real estate, commodities, promissory notes1%
Reported 13F holdings
- $2.77B
- Reported 13F value
- 278
- Positions
- 40.2%
- In the 10 largest
- +9.6%
- Value vs. prior quarter
- Vanguard Intl Equity Index F · Allwrld EX US6.6%
- Alphabet Inc. · Cap Stk CL A6.4%
- Apple Inc.5.5%
- Nvidia Corporation4.5%
- Microsoft Corp.3.7%
- Berkshire Hathaway Inc. Del · CL B New3.2%
- Amphenol Corp. · CL A2.9%
- Amazon Com Inc.2.9%
- TJX Cos Inc. New2.2%
- Visa Inc. · Com CL A2.2%
Together, the ten largest are 40.2% of reported value.
How many clients does Howland Capital Management have?
Howland Capital Management has 1,310 clients and manages $3.74 billion for them, as of March 2026. They include 1,125 individual clients, 145 high-net-worth individuals and 27 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026
What services does Howland Capital Management offer?
Howland Capital Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for pooled vehicles, selecting other managers, publishing newsletters, educational seminars, education planning, estate planning, insurance, philanthropic planning, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Howland Capital Management charge?
Howland Capital Management charges 0.30%–1.00% a year for its Investment advisory fee. Each asset band is charged at its own rate. The fee is billed in arrears.
Which custodians does Howland Capital Management use?
Howland Capital Management’s separately managed account assets are held at National Advisors Trust Company (Leawood, KS), with $2.45B and Charles Schwab & Co., Inc. (Westlake, TX), with $1.25B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026
How many financial advisors does Howland Capital Management have?
Howland Capital Management has 11 investment adviser representatives registered with state securities authorities, out of 35 employees, and 11 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
What does Howland Capital Management invest in?
At the end of its last fiscal year, Howland Capital Management’s separately managed accounts held 58% exchange-traded equities, 10% registered funds (mutual funds, ETFs, BDCs), 10% cash and equivalents, 8% investment grade corporate bonds, 6% pooled vehicles (private funds and similar), 2% non-exchange-traded equities, 2% U.S. government and agency bonds, 2% state and local bonds, 1% sovereign bonds and 1% other. The 1% other category is described as: Structured Notes, Insurance Policies, Real Estate, Commodities, Promissory Notes. It advises 6 private funds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Howland Capital Management?
Howland Capital Management’s direct owners are Charles Clapp, Weston Howland, Maureen Quigley, Peter Dixon, Andrew Dupee, Tracy Gibbs, Nicholas Crocker, Daniella Macritchie and Howland Capital Management, Inc., each holding 25% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 31 March 2026
How does Howland Capital Management get paid?
Howland Capital Management is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. 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
How do I contact Howland Capital Management?
Howland Capital Management’s main office is at 75 Federal St, Ste 1100, Boston, MA 02110-1911. Its phone number is 617-357-9110. Its website is howlandcapital.com.