Collaboration at its peak.


Tailored wealth management for high-net-worth individuals and business owners.

The HCM Private Wealth Services (PWS) division is designed for high-net-worth individuals and business owners seeking tailored portfolio management, tax mitigation, income needs, business planning solutions, legacy strategies, and more. In collaboration with our PWS partners, we work with financial advisors and their high-net-worth clients to build custom investment strategies.

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Learn More About Vance

Howard Capital Management’s Private Wealth Services (PWS) Division was created by Vance Howard out of personal need. He found high-net-worth individuals and business owners have an increased need for personalization in regard to total wealth management.

Through research and experience managing his personal and business assets, Vance built his own comprehensive strategy which now encompasses the PWS program.

Custom Portfolio Design

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Tax-Loss Harvesting

Sometimes an investment that has lost value can be valuable. The strategy of offsetting capital gains with capital losses is called tax-loss harvesting. This investment approach may be able to help you reduce taxes now and in the future.

Fund Analysis

Our team can analyze your current portfolio in an effort to identify areas of improvement or offer an investment strategy to manage on your behalf. We generate a custom proposal to analyze and compare your current portfolio to our proposed PWS portfolio. 

Investment Strategy

Through a one-to-one process of discovery, design and implementation, you can gain a fully customized investment strategy that is built around your unique needs, financial considerations and personal goals.


The HCM-BuyLine® is our proprietary stoploss indicator designed to attempt to mitigate downside risk and remove the emotion from the investing process. All PWS portfolios are overlaid with the HCM-BuyLine®.

Partner Collaboration and Business Resources

Personalization is paramount in creating comprehensive strategies for high-net-worth individuals and business owners. The Private Wealth Services (PWS) team collaborates with partners in their respective fields to provide additional resources to meet specific needs and goals.

Tax Strategies

Whether your tax problem is confined to your portfolio or extends throughout your business, our PWS team and partners can help identify opportunities to potentially expand your tax savings.

Business Planning

Our PWS team specializes in strategies that aim to enhance your business’ bottom line. We also work with you and your succession team to help develop and implement your legacy goals.

Company Retirement Plans

Providing company-sponsored retirement plans are a gift and a liability. We can provide your company-sponsored retirement plan investment solutions and access to the HCM-BuyLine® to help fulfill your fiduciary responsibilities.

Estate + Charitable Giving

Your passions and personal goals are important to us. Alongside our partners, we work with you and your advisors to help optimize your estate plan design and charitable visions.

The Private Wealth Services program.

Meet the team
  • 20+ years of money management experience
  • Customizable client experience
  • One-on-one guidance and assistance
  • Personalized attention to short-term and long-term goals
  • Ongoing reassessment of individual goals
  • Collaboration of boutique, intelligent firms
  • Extensive range of investment options
  • Fully tailored, fully liquid investment portfolios
  • Risk management provided by proprietary stoploss indicator, HCM-BuyLine®

We Look Forward to Speaking With You

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    There can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price. Mutual Funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares when redeemed may be worth more or less than their original costs. There are unique potential risks associated with the specific asset classes that a Mutual Fund represents. Changes in investment strategies, contributions or withdrawals may materially alter the performance, strategy, and results of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be equal to past performance level, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or be profitable for a client’s portfolio. Past performance does not guarantee future results. All investment strategies have the potential for profit or loss. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark for measuring the performance of a portfolio.