The Howard Difference

May 06, 2019

Established in 1999, Howard Capital Management, Inc. (HCM) is an SEC-Registered Investment Advisory Firm offering professional money management services to private clients, brokers and broker-dealers. HCM specializes in various types of trading systems to assist clients in reaching their financial goals and to navigate complex and ever-changing market conditions. Whether you are an investor, planning for or in retirement, you can put the Howard Difference to work for you.



With over 30 years’ experience, our disciplined strategies are backed by extensive research, sophisticated analysis, and proprietary computerized tools.  Vance Howard, CEO and Portfolio Manager, has been mentioned in numerous publications including Kiplinger Magazine, Investor’s Business Daily (IBD), MorningStar and Investment News.  In addition, HCM has recurrently made the monthly top 10 list in The Wall Street Journal’s Category Kings for the performance of Equity Income Funds and Multi Cap Growth Funds.



Asset flexibility is a key feature of HCM’s trading philosophy. All of our portfolios are fully liquid, as we do not lock investors in an investment that cannot be changed or easily withdrawn from. This flexibility ­also gives us the ability to act when the HCM-BuyLine® signals, to move to cash and/or cash equivalents in the event of a market downturn in an attempt to preserve capital.


Tactical Management

HCM believes in active management through a tactical approach. Through tactical management, we are able to hold a range of percentages of asset allocations in each of our portfolios. This type of diversification gives HCM portfolios the ability to seek income and growth for investors with all levels of risk and return objectives.


Stoploss Management

Most of HCM’s investment portfolios and retirement tools work in conjunction with our proprietary stoploss tool, the HCM-Buyline®.  By doing so, we aim to keep assets on the right-side of the market.


The HCM-BuyLine® is an indicator that mitigates downside risk by signaling when funds should be moved out of equities and into cash and/or cash equivalents, while taking advantage of market upturns. It strives to protect profits while providing a highly complex and technical quantitative trading tool for the universal client.


Proprietary Tools

The 401(k) Optimizer® is an online allocation tool designed to deliver personalized recommendations based on an individual’s investment options, risk tolerance level, age and long-term goals. Another tool, built for the public sector, the TSP Optimizer®, allows federal employees to upload their fund options and quickly allocate their Thrift Savings Plan (TSP) Funds based on their risk tolerance and long-term goals.

All of HCM’s proprietary retirement tools are delivered with the use of the HCM-BuyLine®, protecting investments through market downturns while also pursuing opportunities for growth.


Contact Howard Capital Management, Inc.

For more information on any of HCM’s proprietary tools or to learn more about portfolio management services, please contact HCM at (770) 642-4902 or visit