Who we are
Welcome to Howard Capital Management, Melvin J. Howard formed Howard Capital Management to manage a portion of his personal investments alone with a close set of other wealthy families and individuals. He was responsible for organizing the investments and holdings of the group and acting as a platform to explore further opportunities. As such we understand the complex needs of high net worth, and ultra-high net worth individuals and their families. Mr. Howard has spent years cultivating relationships with some of the top professionals in the country, and their network, experience and client focus, creating lasting legacies. Mr. Howard got his start in the health care industry spanning over twenty-seven years overseeing the medical division of an American public relation and lobbying firm. He was responsible for the international expansions of the firm’s medical clients such as Squibb, Proctor and Gamble, Merck Frost and McDonnell Douglas where he facilitated over 1.3 Billion Dollars in counter trade transactions. Our mission is to help individuals and business owners develop financial objectives, and achieve those objectives through various financial, investment and consulting services that are designed to meet their present and future needs. We work with only the best high net worth insurance providers to create comprehensive personal insurance programs adapted to each client’s individual needs. By doing this, we help to ensure that your wealth is kept safe and intact, with the ability to grow and adapt with you, your family, and your lifestyle. Understanding and protecting yourself from the complex risks associated with greater achievement and the acquisition of assets is key to ensuring continued success.
A plan of action is vital to ensuring wealth is preserved and maximized for current and future generations. We build this integrated wealth management plan by providing you with sound, objective financial advice and guidance; proactive investment management; comprehensive financial analysis, insurance assessment; visionary trust estate and philanthropy planning. Managing a complex financial world of diverse advisors, funding and managing your philanthropies takes a well tailored bespoke plan. We will give you an truly independent review of your overall insurance needs. Alternatives to purchasing insurance coverage are considered, such as titling of assets and specific estate planning techniques. Gaps in coverage are identified when multiple brokers are used. Unprotected assets are identified and coverage is recommended. We work just as hard to protect your assets as you did to earn them. By applying our risk consulting and market experience, we will help you obtain the best solutions for your personal insurance needs. Through a complete evaluation of your risk profile, we are able to establish a program that ensures broad coverage, and doesn't burden you with unnecessary insurance costs.
Personal fulfillment, with a legacy plan that reflects your social concerns, special interests, motivations and degree of commitment. Enhancement of family education through the giving process by providing a structured and guided way for heirs to actively participate in the management of philanthropic efforts. Ensures maintenance of family ties of future generations. Significant income and estate tax savings can be achieved through philanthropic giving. We understand that most successful individuals deal with numbers. But that does not mean they want to be treated like one. At Howard Capital Management we take the time to get to know each of our clients and provide you with customized insurance coverage and personal service not found in most brokerages. Much like the way you rely on your accountant or attorney for advice, our goal is to become your trusted risk management and insurance advisor. We know how to develop insurance products and services that are smart and effective.
LIFE INSURANCE – ADVANCED PLANNING FOR HIGH INCOME INDIVIDUALS
Howard Capital Management
Managing Partner – Present
Howard Capital Management is an independent capital management boutique that offers, effective risk management and outstanding service to family offices, foundations and accredited private investors. By effectively managing the information that all parties need, we successfully intergrate the unique and complex needs of the ultra high net worth family. Howard Capital Management is a former registered lobbyist.
We create radical relationships
You need more than traditional wealth management. You need someone who can bring professional organization to the complexity of your financial and personal worlds. We work closely with you to develop a collaborative plan to complement the services provided by other advisors. Howard Capital Management will provide a comprehensive diagnostic review and strategic plan to meet your estate needs. Initial review of current situation and existing estate and trust documents. Discussion of possible wealth accumulation, preservation and distribution strategies. Integration of estate plan with tax, investment, financial, business, and insurance planning. Resolution of immediate needs, such as guardian issues or living wills. Plan development to manage problems associated with a sizable inheritance or wealth generating event . A strategy focused on multi-generational planning.Tax-efficient strategies for the transfer of wealth. We will identify assets and how they are titled, analyzes current situation and vulnerabilities, and reviews current carriers and their ratings.
Proper planning is critical to successfully maximizing the wealth for current and future generations. Proper preparation requires employing sophisticated techniques, most typically the orchestration of multiple trusts, a family foundation, family limited partnerships, LLC, and so forth. We are perfectly suited to work with you and your estate planning attorney and other wealth transfer specialists to concept innovative ways your wealth can be used to achieve personal and family goals.
Funding of Trust
Life, Health, Medical, Long-term care, Accident and disabiliy Insurance
Funding a Buy-Sell Agreement
Business owner/key executive compensation and benefit planning
Employee incentive plans
Protected income for life