Money manager
Howard Capital Management
Tactical money management with the HCM Buy-Line®
Strategies designed to protect capital in downturns while pursuing upside in rising markets, governed by HCM's quantitative Buy-Line® rule.
About the firm
About Howard Capital
Howard Capital Management provides professional money management to private clients, broker-dealers, and RIAs through separately managed portfolios, retirement-plan tools, self-directed brokerage accounts (SDBA), and proprietary mutual funds.
Signature tool
HCM Buy-Line®
Clients served
Private clients, BDs, RIAs
Products
SMAs, retirement tools, SDBA, mutual funds
Strategy
How the firm invests
- HCM Buy-Line® — a proprietary quantitative indicator that drives the strategic decision to be in or out of equities, and at what weight.
- Combines strategic and tactical approaches within a single rules-based framework.
- Objective: limit major drawdowns while still participating in market upswings.
Role in portfolio
How Howard Capital fits a WWA portfolio
HCM is a defined-rule tactical sleeve — useful for clients whose risk tolerance collapses during drawdowns, because the Buy-Line® enforces a decision the investor might not make on their own. HCM is also the backbone for clients using self-directed brokerage accounts inside an employer 401(k).
Suitability
Who it's for
Not every manager fits every client. Here's when Wealth Watch Advisors leans in — and when a different sleeve is a better answer.
Good fit for
- Clients with strong loss aversion
- Recent retirees worried about sequence risk
- 401(k) participants who want professional SDBA management
Less suitable for
- Buy-and-hold investors who will not accept tracking error vs. a passive benchmark during long uptrends
Resources
Documents and partner links
Talk to a WWA advisor about Howard Capital.
We’ll walk through whether Howard Capital fits your situation — and, if not, which manager on the platform would.