When you choose Howard Capital Management, Inc., we work hard to exceed your expectations. We make strategic and tactical investment decisions that are tailored to each of our clients. We offer various programs that specifically address your individual needs and makes sense for you.
| HCM All Weather Retirement Program |
| One Choice May Be All You Need |
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 Market volatility can be unfavorable for many investors, especially retirees and near retirees who don't want to see their savings disappear with the next market downturn. The HCM All Weather Retirement Program, which seeks a consistent long term average growth goal of 8% annually with a maximum drawdown of 5% or less, is designed for investors who need income plus a little bit of growth. more>>
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| HCM Flex Series |
Our Legacy Programs
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 These are the programs that helped shape who we are. Consisting of a group of six programs, the HCM Flex Series offers complete customization. Choose from among RYX-PSR, our longest running program which trades mutual funds, PRO-PSR, two ETF programs (Viper 2, International Plus) and two bond programs (Horizon Bond, HCM Bond Plus). All use Howard CM's own Proactive Sector Rotation (PSR) methodology. Teamed with the HCM-BuyLine®, this program series is designed for flexibility. more>>
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| HCM ALP Series |
Active Lifestyle Portfolios
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 Crafted around Howard CM's ETF Plus, RYX-PSR, and Horizon Bond strategies, the HCM Active Lifestyle Portfolio Series consists of programs categorized by five distinct risk levels: 1) aggressive, 2) moderate aggressive, 3) moderate, 4) moderate conservative, and 5) conservative. Investing in this program series is simple. Completing our risk level questionnaire can help you determine the program that is right for you. more>>
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| HCM Profit Push Series |
Stock Programs
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 In any sporting event, finding the right players makes all the difference. Applying this principle to the stock market, Howard CM created the HCM Profit Push Series - an investment approach that strives to target the "best players". These programs (Large Cap, Small & Mid Cap, and Global) begin each yearly cycle with a large group of stocks, gradually eliminating the poor performers. The goal is to finish the year with the top performing stocks. more>>
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| HCM 401(k) Optimizer® |
Personalized Advice for your 401(k)
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 Are you getting the most out of your company sponsored retirement plan? Whether you own a 401(k), 403(b), 457, or similar plan, the objective of the HCM 401(k) Optimizer® is to provide recommendations to assist you with important decisions. This subscription only program allows you to log in to our website with your username and password to view recommendations specifically designed for your company plan and risk tolerance level. We deliver advice, while you maintain complete control of the assets in your retirement plan. more>>
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