Howard Capital Management

Private Wealth
Services

Bespoke investment management for high-net-worth individuals and business owners. Fully tailored. Fully liquid. Powered by the proprietary HCM-BuyLine®.

20+
Years of Experience
100%
Tailored Portfolios
SEC
Registered Advisor
HCM-BuyLine®
Proprietary Protection
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Private Wealth Services

Wealth Management
Built Around You

The HCM Private Wealth Services division was created by Vance Howard out of personal necessity. High-net-worth individuals and business owners require a level of personalization that goes far beyond conventional portfolio management.

Through decades of managing his own personal and business assets, Vance Howard built a comprehensive strategy that now forms the foundation of the PWS program — one that combines tactical investment management with bespoke financial planning across every dimension of wealth.

01

Fully Tailored

Every portfolio is constructed from the ground up around your unique financial situation, tax considerations, income needs, and long-term goals. No two PWS clients hold the same portfolio.

02

Fully Liquid

Unlike private equity or hedge fund structures, PWS portfolios maintain full liquidity. Your capital remains accessible and responsive to your life's evolving demands.

03

HCM-BuyLine® Protected

Every PWS portfolio is overlaid with HCM's proprietary trend indicator. When markets turn, the BuyLine® signals a defensive shift — preserving capital before losses compound.

04

One-to-One Guidance

A dedicated PWS team member works with you through every phase: discovery, design, implementation, and ongoing reassessment. You are never passed to a call center.

05

Partner Ecosystem

PWS collaborates with specialists in tax strategy, estate planning, business succession, and charitable giving — creating a unified approach to total wealth management.

06

20+ Years of Expertise

HCM has been refining its quantitative investment approach since 1996. The PWS program draws on this deep institutional knowledge to serve the most complex client situations.

"We aim to take emotion completely out of the equation. Trading with emotions, in our opinion, ruins long-term returns."
Vance Howard — CEO & Portfolio Manager, Howard Capital Management
The PWS Difference
"High-net-worth individuals deserve more than a model portfolio. They deserve a strategy."
20+
Years Managing Wealth
100%
Custom Portfolios
4
Partner Disciplines
0
Lockup Periods
1
Dedicated Team Per Client
Custom Portfolio Design

Precision-Crafted
Investment Solutions

◈

Tax-Loss Harvesting

Turn losses into strategic assets

Sometimes an investment that has lost value can be one of your most valuable tools. The strategy of offsetting capital gains with capital losses — known as tax-loss harvesting — can meaningfully reduce your tax burden both now and in the future.

The PWS team actively monitors your portfolio for harvesting opportunities, executing with precision to maximize after-tax returns without disrupting your long-term investment strategy.

Partner Collaboration

Beyond the Portfolio:
Total Wealth Architecture

Personalization is paramount in creating comprehensive strategies for high-net-worth individuals and business owners. The PWS team collaborates with specialists in their respective fields to provide resources that extend far beyond investment management.

Tax Strategies

Whether your tax challenge is confined to your portfolio or extends throughout your business, the PWS team and its network of specialist partners identify opportunities to expand your tax savings — from entity structure optimization to deferred compensation strategies.

Business Planning

The PWS team specializes in strategies designed to enhance your business's bottom line. We also work alongside your succession team to develop and implement your legacy goals — ensuring that the wealth you've built transitions seamlessly to the next generation or your chosen beneficiaries.

Company Retirement Plans

Providing a company-sponsored retirement plan is both a gift and a fiduciary responsibility. HCM delivers investment solutions and access to the HCM-BuyLine® within your company plan, helping you fulfill your obligations to employees while managing plan assets with institutional rigor.

Estate & Charitable Giving

Your passions and personal values matter. Alongside trusted estate planning partners, HCM works with you and your advisors to optimize your estate plan design, structure charitable vehicles, and ensure that your philanthropic vision is realized with maximum impact and tax efficiency.

Investment Strategy

The HCM-BuyLine®
Defend Tomorrow, Today

It is painful to watch the value of your portfolio drop. That is why Howard Capital Management spent years developing the HCM-BuyLine® — a proprietary quantitative indicator designed to defend assets by removing emotion from investment decisions.

The BuyLine® uses a non-emotional, mechanical, and repeatable system to determine when portfolios should be fully invested versus when they should shift defensively. The goal is simple: bypass the decline before it compounds.

●Fully Invested

When the HCM-BuyLine® signals positive market conditions, portfolios are fully deployed across equity positions to capture upside momentum.

●Reduced Equity Exposure

As market signals weaken, the BuyLine® triggers a partial defensive shift — reducing equity exposure while maintaining some market participation.

●Further Reduced Exposure

In significant downturns, the BuyLine® signals a move toward the safety of money markets and short-term bonds — preserving capital through the decline.

Proven Through
Market History

The HCM-BuyLine® has been tested through some of the most severe market dislocations in modern history. During the 2008 financial crisis and again in 2020, the indicator signaled a defensive shift — allowing many clients to preserve capital and stem losses even as broader markets experienced dramatic declines.

2008
Financial Crisis
BuyLine® signaled exit from equity markets
2020
COVID-19 Crash
BuyLine® triggered defensive repositioning
Core Principle
"It's not if the market will turn. It's when."
Math-Driven
Quantitative signals, not gut instinct
Non-Emotional
Removes behavioral bias from decisions
Mechanical
Consistent, rules-based execution
Repeatable
Same discipline through every cycle

All investments 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 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.

Our Story

Built on a
Personal Mission

Howard Capital Management was founded on a conviction born from personal experience. After witnessing the financial devastation that market crashes inflict on unprepared investors, Vance Howard dedicated himself to building a better system.

The result was the HCM-BuyLine® — a proprietary indicator that removes emotion from the investment process. Today, that same philosophy underpins every PWS portfolio, extended to encompass the full complexity of high-net-worth wealth management.

Roswell, Georgia
1145 Hembree Road
Company Timeline
1987
The Vision

The devastating market crash of 1987 plants the seed for a better approach to protecting investor capital.

1996
BuyLine® Concept

Vance Howard develops the foundational concept of the HCM-BuyLine® — a quantitative, non-emotional market indicator.

1999
HCM Founded

Howard Capital Management, Inc. is established as an SEC-registered investment advisory firm in Roswell, Georgia.

2008
Crisis Validation

The HCM-BuyLine® signals a defensive shift ahead of the financial crisis, validating years of quantitative research.

2020
Pandemic Response

The BuyLine® again signals a timely defensive repositioning as COVID-19 triggers historic market volatility.

2024+
PWS Expansion

The Private Wealth Services division expands, bringing institutional-grade bespoke management to high-net-worth clients nationwide.

1999
Year Founded
SEC
Registered RIA
Roswell, GA
Headquarters
Nationwide
Client Reach
Private Wealth Services Team

Dedicated to
Your Success

The PWS team is a dedicated group of investment professionals whose sole focus is the high-net-worth client experience. Every member brings specialized expertise to ensure that your wealth is managed with the attention it deserves.

WS
Will Stark
PWS Managing Director

Will leads the Private Wealth Services division, overseeing client strategy, team operations, and the development of bespoke investment solutions for high-net-worth clients and business owners.

BM
Brandon Melick
PWS Vice President

Brandon works directly with clients to design and implement tailored portfolio strategies, drawing on HCM's proprietary investment methodology and the full breadth of PWS partner resources.

CS
Cole Staton
PWS Investment Consultant

Cole guides prospective clients through the discovery and onboarding process, ensuring that every new relationship begins with a thorough understanding of goals, risk tolerance, and financial complexity.

BR
Brett Roese
Senior Analyst

Brett provides deep quantitative research and portfolio analysis, supporting both the PWS division and HCM's broader investment management team with data-driven insights.

MP
Mayra Perla
PWS Operations Coordinator

Mayra ensures seamless operational execution for PWS clients, managing account administration, reporting, and the day-to-day logistics that underpin a premium client experience.

IR
Izzy Robinson
PWS Operations Coordinator

Izzy supports PWS operations with precision and care, coordinating between clients, custodians, and internal teams to maintain the high service standards the division is known for.

JF
Jess Frank
PWS Client Services Representative

Jess serves as a primary point of contact for PWS clients, providing responsive, personalized service and ensuring that every client interaction reflects HCM's commitment to excellence.

Executive Leadership

The Leadership
Behind the Firm

VH
Vance Howard
CEO & Portfolio Manager

Founder of Howard Capital Management and creator of the HCM-BuyLine®. Vance has spent over 20 years developing quantitative investment strategies that protect and grow client capital through every market cycle.

KH
Karen Howard
Chief Operating Officer

Karen oversees firm-wide operations, ensuring that HCM's infrastructure, processes, and team are aligned to deliver an exceptional client experience at every touchpoint.

CF
Chris Ferguson
President

Chris leads HCM's strategic direction and business development, working to expand the firm's reach and deepen its capabilities in service of clients across all divisions.

DB
Dory Black
General Counsel & Chief Compliance Officer

Dory ensures that HCM operates with the highest standards of regulatory compliance and legal integrity, protecting both the firm and its clients.

HCM in Motion

The Story of
Howard Capital

Experience Howard Capital Management through film. These brand videos capture the essence of what drives the firm — strength, precision, and an unwavering commitment to protecting and growing client wealth.

HCM TV Commercial
December 2025
HCM TV Commercial

Howard Capital Management's latest brand commercial — capturing the firm's philosophy of strength, precision, and protection in every market environment.

Brand Image
The Lion's Approach

Brand Image

A cinematic brand film exploring Howard Capital Management's identity — the lion that navigates the financial landscape with authority and purpose.

Lion Roar
HCM Brand Film

Lion Roar

The power of the HCM brand distilled into a single cinematic moment — strength, discipline, and the courage to defend what matters most.

MorningStar Commercial
HCM Recognition

MorningStar Commercial

Howard Capital Management's commercial highlighting the firm's recognition and commitment to delivering exceptional investment outcomes for clients.

Begin Your Journey

Schedule a
Private Consultation

The first step toward a fully tailored wealth strategy is a private, no-obligation conversation with a member of the PWS team. We will take the time to understand your situation, your goals, and how HCM's approach can serve your unique needs.

Address
1145 Hembree Road Roswell, GA 30076
Hours
Monday – Friday 9:00 AM – 5:00 PM EST
Website
howardcm.com/private-wealth-services
Why PWS
Fully customized portfolio construction
HCM-BuyLine® downside protection on every account
Dedicated team — no call centers
Collaboration with tax, estate, and business planning specialists
Fully liquid — no lockup periods
Ongoing reassessment as your life evolves

By submitting this form, you consent to being contacted by a member of the Howard Capital Management Private Wealth Services team. This form does not constitute investment advice or a commitment to any investment strategy.