Asset Management

Through our business partnership with CPR Investments Inc., a registered investment adviser, our goal is provide for our clients investment solutions that best fit their objectives. This is done by developing a financial strategy, along with a risk tolerance evaluation. Through the various money management firms and models, along with their focus on risk and performance, is what enables us to help our clients in retirement and attract new ones.

A Comprehensive Strategy

Our objective investment strategies and active approach provide you with a comprehensive strategy for your investments. Clear, decisive decisions are taken into account for market trends - whether up or down. We also make sure you have an exit strategy. This includes a strategy for how to systematically draw upon your investments to provide you with a solid income for retirement and a strategy for leaving a legacy to your children.

Third Party Custody

You can rest easy knowing that your assets are held away by a third-party custodian. At no time does CPR Investments Inc. have custody or possession of your funds.  Each third-party custodian is regulated and monitored by an independent regulatory body. This is no occasional perfunctory check-up: The custodians are rigorously examined on a regular basis, and have to adhere to the highest standards of security, safety and conduct. You always have access to your account(s) through your third-party custodian. That means you can view transaction and account values on a daily basis and can withdraw your funds at any time, right away from day one.
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Moving From Buy-And-Hope To Act-And-Achieve

Consider your life goals: Building a healthy marriage, raising your children well, pursuing career success, buying your dream house. Do you take a passive approach to any of these goals? Of course not. You know that these dreams do not turn into reality without purposeful, intelligent, and consistent action. Investing is no different.  The purpose of investing is to achieve financial gain and security. For too long, investors have bought into a passive buy-and-hold philosophy under the illusion that it was an investment strategy: Diversify your funds adequately when your thirty, forget about them, and forty years later you will be living a luxurious retirement.  Unfortunately, one economic crash can destroy not only that illusion, but also any opportunity of recouping your losses. CPR Investments Inc. rejects this "buy-and-hope" outlook and takes an "act-and-achieve" approach. We have sought to steadily grow our client's funds while minimizing loss through:

• Active Asset Management: Our sub-advisors actively manage accounts on a day-to-day basis to create opportunities for return by investing in areas of market strength. While that does not necessarily mean there will be transactions on a daily basis, it does allow for the possibility depending on changing market conditions.
• Investment Strategies: Many of our investment strategies are run daily to evaluate current short-term market trends. Because our strategies are quantitative, objective, and mathematical, we remove the emotional human factor from the investing equation and ensure lower volatility and more consistent returns.
• Proactive Risk Management: Our investment strategies seek to reduce and manage risk through tactical asset allocation, reducing exposure to weak industry sectors and index funds, and moving to 100% cash, or in some strategies to "inverse" funds, in cases of extreme market volatility. 

By acting to protect your capital during poor markets and build your capital during strong markets, we help you achieve your investment goals. 

Sound Investing

Sound Investing is not:

• Trusting that it will work out all right in the end.
• Reacting to emotionally charged headlines.
• Taking a chance, a gamble, or a long shot.
• Believing that someone can predict the future.

Sound investing is a disciplined process that is objective, active and comprehensive.

Do you want to trust your savings - and your future -  to someone else's opinion, gut instinct or emotional response? The economy is far to complex. Our investments offer strategies that remove emotion, opinion, and personal bias from the investment process. We have replaced these subjective snares with objective investment strategies, developed from years of intense market analysis. We do not make either forecasts or predictions. 
Listed here are services we offer:

Listed here are services we offer: Roth IRAs, Traditional IRAs, College Accounts, Joint Accounts, Trust Accounts, Rollover IRAs, 401(k) Plans, 403(b) Plans, 457(b) Plans, SEP IRAs, Simple IRAs, and Profit Sharing Plans.

401(k) Plans

It can be challenging for an employer to establish and maintain a cost-effective retirement plan for their employees while mitigating employer fiduciary liability. When it comes to plan design and consulting, administration, investment management, recordkeeping and fiduciary services, it’s anything but a one-size-fits-all world. Count on a customized plan and support for your company and your TPA partners in everything from fully bundled to true open architecture arrangements.
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Discover how our 401(k) Providers can deliver the following:

Flexibility to help you deliver tailored performance

A GOOD FIT: We’ll work with you and your TPA partner to understand each client’s situation and goals, then tailor a program together that fits them.
EASY TO MANAGE: The difficulty of retirement plans has kept many companies from taking advantage of this powerful opportunity. We work to deliver retirement plans that are highly cost-efficient and easy to start and run. That produces real value while keeping the employer’s burden light.
Safe Harbor 401-(k) Design: Safe Harbor is a type of plan design that guarantees a minimum employer contribution and, in return, allows for less restrictive non-discrimination testing requirements.
Customized Plan Capabilities: We specialize in complex plan design, including cross-testing, a type of profit-sharing plan design that allows a plan sponsor to create employee classifications and provide for different allocation rates.
Plan Design: Comprehensive options or recordkeeping-only for your TPA-centric plans
Open Architecture: 30,000 funds trading through NSCC and 100+ Collective Investment Trusts (CITFs)
Trustee Services: Directed Trustee or Full Discretionary Trustee
Fiduciary Services: 3(16) Plan Fiduciary, 3(21) Investment Advisory and 3(38) Investment Management

Howard Capital Management 401(k) Optimizer Program

Professional advice for your 401(k) retirement investments.

The HCM 401-(k) Optimizer provides the following:

​1) Analyzes the choices in your employers retirement plan: Managing your own retirement investments can be tough. And the wrong choices could lead to less money at retirement. The Optimizer gives you direct, personalized advice so you can feel confident about your financial future

2) Backed by Sophisticated Analysis: Although the HCM 401(k) Optimizer is simple to use, the underlying analysis is highly advanced. It's like having your very own personal investment advisor. And it's on the job 24 hours a day, 365 days a year.

3) Receive a detailed report on your plan:Taking your age and comfort level with risk into account, the HCM 401(k) Optimizer recommends which investment options you should choose – and how much you should allocate to each.

4) Know what to do during Market ups and downs:No more worrying about your investments! When the market drops below the HCM-BuyLine®, you'll get clear advice on how to restructure your portfolio in an attempt to protect your assets. You'll also get advice on what to do when the market goes back up.

Visit www.hcm401koptimizer.com.  A monthly fee of $9 to manage your retirement account. Call me to discuss.