Preparing for retirement with professional help.


A company-sponsored retirement plan is one of the greatest gifts from an employer. 

Howard Capital Management, Inc. developed proprietary retirement tools and services to help bridge the gap between fiduciary obligation and maximized long-term returns. Our tools and services include HCM-Guided Retirement, the 401(k) Optimizer®, and the TSP Optimizer®.

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HCM-Guided Retirement

A managed model service designed to help provide fiduciary coverage to Financial Professionals and Plan Sponsors. This service selects and implements investment strategies inside company-sponsored retirement plans to offer plan participants active management with the HCM-BuyLine® overlay.

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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.

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Start investing with confidence.

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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.