Business Details
50+ Years
experience
Your Trusted Partner for Financial Planning Solutions
Howe & Rusling has been a trusted partner in wealth management since 1930, dedicated to empowering clients to achieve financial freedom through personalized strategies. Our fiduciary-driven approach combines cutting-edge technology with decades of expertise to create tailored financial roadmaps that align with life goals. As a 100% employee-owned firm, including woman and veteran ownership, we prioritize transparency, ethical standards, and continuous innovation to serve both individual and institutional clients. Our team of Certified Financial Planners and Chartered Financial Analysts leverages rigorous analysis and tax-efficient investment strategies to optimize long-term outcomes.With a heritage of stability and adaptability, we maintain independence to focus solely on client needs while navigating evolving market landscapes. Our commitment to financial education strengthens client decision-making through regular insights and scenario-based planning. Recognized for exceptional client retention, we measure success by the lasting relationships we build and the generational impact of our advice.
Services
Financial Planning
Investment Management
Estate Planning
Tax Strategy
Retirement Planning
Portfolio Management
Wealth Management
Digital Solutions
Financial Education
Client Services
Details
- Year established: 1930
Highlights and features
- We operate as a fiduciary, legally bound to act in your best interest at all times
- Our team includes CFP professionals and CFA charterholders with decades of combined experience
- 100% employee-owned structure ensures alignment with client priorities and long-term stability
- Specialized in tax-loss harvesting strategies to optimize investment returns
- Woman and veteran-owned firm committed to diverse, inclusive financial services
Associations and certifications
- Registered Investment Advisor (RIA)
- Certified Financial Planner (CFP)
- Chartered Financial Analyst (CFA)
Services
Financial Planning
Our comprehensive financial planning evaluates current and future financial concerns to develop strategic pathways toward achieving personal goals. Utilizing sophisticated software and scenario analysis, we address retirement timelines, tax strategies, education funding, and estate planning. Certified professionals collaborate with clients to create dynamic, adaptable plans that serve as the foundation for long-term wealth management success.
Investment Management
Active portfolio management combines individual equities, fixed income securities, and ETFs to construct diversified investment strategies. We emphasize tax-efficient approaches through tax-loss harvesting while offering specialized solutions for core equity, income-focused, and socially responsible investing. Continuous monitoring ensures alignment with evolving client objectives and market conditions.
Estate Planning
Estate planning services coordinate with legal professionals to establish effective wealth transfer strategies. We address probate avoidance, tax minimization, and beneficiary designations through tailored approaches that integrate with overall financial plans. Our fiduciary framework ensures recommendations prioritize long-term family financial security.
Retirement Planning
Specialized retirement planning services focus on income replacement strategies and Social Security optimization. We develop sustainable withdrawal plans while addressing healthcare costs and longevity considerations. Our experience managing $1B+ in assets provides valuable insights into creating reliable income streams during retirement transitions.
Financial Education
Ongoing financial education initiatives enhance client decision-making capabilities through regular market insights, investment fundamentals, and planning workshops. Our award-winning content addresses current topics like retirement account management, tax strategies, and market trends to empower informed financial choices.
People
Craig Cairns
President
Leading the firm since 2006, Craig has grown assets to $1B+ while maintaining its 100% employee-owned structure. His strategic vision emphasizes client-centric innovation and long-term relationship building.
Sarah Swan
Wealth Manager
Certified Financial Planner Sarah Swan specializes in women's financial empowerment. With over 15 years of experience, she develops comprehensive strategies that align with clients' values and life goals.
Dylan Potter
Senior Wealth Manager
Dual-credentialed CFA and CFP Dylan Potter brings technical expertise to investment strategy development. His analytical approach combines market research with practical financial planning considerations for personalized solutions.
Emily Lambert
Operations Manager
As Chief Compliance Officer, Emily ensures regulatory excellence while managing firm operations. Her leadership maintains the firm's 95%+ client retention rate through exceptional service standards.
Brian Lester
Investment Officer
CFA charterholder Brian Lester leads investment strategy with 25+ years in portfolio management. His market analysis informs the firm's award-winning investment approaches across multiple asset classes.
Questions
What services do you offer as fiduciary financial advisors?
We provide comprehensive financial planning, investment management, estate planning, and tax strategy services while always prioritizing client interests through our fiduciary responsibility.
How does your investment management approach differ from others?
Our active portfolio management combines individual securities and ETFs with tax-loss harvesting strategies, tailored to each client's unique circumstances and long-term objectives.
Are you exclusively a retirement planning firm?
While we specialize in retirement strategies, we also serve pre-retirement clients and institutions with comprehensive wealth management solutions across all life stages.
How do you handle ongoing financial plan adjustments?
We maintain dynamic financial plans that evolve with changing circumstances, regularly reviewing and updating strategies to ensure continued alignment with your evolving goals.
What makes your firm unique in the industry?
As a 100% employee-owned firm since 1930, we combine heritage with innovation, maintaining independence to focus solely on client needs while employing modern technology solutions.
How do you educate clients about financial decisions?
We provide regular educational content, personalized portfolio reviews, and decision-making frameworks to empower clients through our 'Beyond the Bell' financial literacy initiatives.
