FINANCIAL ADVISORS

Help Your Clients Reach Their Goals Utilizing HCM's Resources

How We Help

We offer multiple proprietary tools to help you assist your clients in reaching their financial goals. From our separately managed accounts, self-directed brokerage accounts, and our online retirement allocation tools, we have an array of products that we believe can suit all your clients whatever their goals may be.

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SEPARATELY MANAGED ACCOUNTS

Through our wide range of managed portfolio options, we provide you with a number of investment options that can be added to your clients' current strategy or investment allocation.

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Self-Directed Brokerage Accounts

A SDBA, or Self-Directed Brokerage Account, is a window inside a company-sponsored retirement plan (401(k), 403(b), 457, etc.) which offers plan participants the option to invest in more than the limited pre-selected company choices. Now your clients can gain access to professional money management, additional investment options like stocks, bonds, mutual funds, ETFs, etc., and the HCM-BuyLine® allows investors to seek growth through guidance. By investing in additional options outside of the core choices, investors can strive to maximize returns through investments better suited to their goals and risk preference.

Below, you will find the differences between a basic company plan, a basic SDBA, and an SDBA managed by Howard Capital Management, Inc. While these are common examples of services offered, an individual's plan may differ from below.

+ BASIC COMPANY PLAN

Access to pre-selected investment options chosen by the company
Limited or no access to personalized advice
Limited or no access to third party active management
No stoploss protection

+ BASIC SDBA

Access to greater investment options, diversification and control over your retirement plan
Access to personalized advice
Access to third party active management
Potential to sidestep bear markets through additional management strategies

+ HCM SDBA

Proactive asset management
Stoploss protection with the HCM-BuyLine^®, a mathematical, non-emotional indicator which signals when to enter and exit the market
Selection of proprietary mutual funds designed for all investment strategies
Portfolio re-balancing
Weekly market updates

To learn more about companies in your area that offer the SDBA within their company sponsored plan, login now and request a BrightScope report.

ASSIST YOUR CLIENTS IN MANAGING THEIR COMPANY SPONSORED PLAN OR THRIFT SAVINGS PLAN

Many people need help allocating and diversifying their retirement plan investments. Now, you can easily assist your clients in making the right investment choices given their plan options. We understand the importance of building and maintaining client relationships.

We believe the 401(k) Optimizer® and TSP Optimizer® can help create an avenue for positive communication and trust. Provide portfolio diversification to your clients to help them manage their plans quickly and easily. The system keeps you informed and keeps your clients up-to-date on their investments and market updates.

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The 401(k) Optimizer^® helps employees with a company-sponsored retirement plan customize their investment allocations and defend their assets during uncertain market conditions.

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Clients working in the public sector now have the ability to actively allocate their Thrift Savings Plan fund options through our TSP Optimizer tool.

This communication is issued by Howard Capital Management, Inc. It is for informational purposes and is not an official confirmation of terms. It is not guaranteed as to accuracy, nor is it a complete statement of the financial products or markets referred to. Opinions expressed are subject to change without notice. Howard Capital Management, Inc. may maintain long or short positions in the financial instruments referred to and may transact in them as principal or agent. Unless stated specifically otherwise, this is not a recommendation, offer or solicitation to buy or sell and any prices or quotations contained herein are indicative only. To the extent permitted by law, Howard Capital Management, Inc. does not accept any liability arising from the use of this communication. Howard Capital Management is an SEC-registered investment advisor which only does business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability. Past performance is no guarantee of future results.