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Howard Capital Management, Inc.
Welcome to HCM University, an informational resource for our clients, 401K Optimizer subscribers, and strategic partners.  From the semi-static content found on this website, to the outbound "push" notifications, financial alerts and market updates, we hope that you find this to be a valuable and well rounded resource for your financial education needs.

Howard Capital Management, Inc. is an active money management firm. We strive to be the best in the business at what we do. Our ultimate goal is to help you succeed by assisting you with the growth of your investments. As a fee-only investment advisor, our priorities are aligned with yours - to grow the value of your portfolio. To help us achieve this goal, we participate in extensive investment analysis and tactical trading methods.
Our mission is to build long-term client relationships based on trust, integrity and high expectations.

Latest Video Client Alert
  • Government Report Details Household Finances
    Every three years, the Federal Reserve sponsors the Survey of Consumer Finances (SCF), which
  • The Standard Deduction and Itemized Deductions After Tax Reform
    The Tax Cut and Jobs Act substantially increased the standard deduction amounts for 2018 to 2025. It also eliminated or restricted many itemized
  • Four Points to Consider When Setting a Retirement Income Goal
    No matter what your age or stage of life, targeting a goal for monthly retirement income can seem like a daunting task. Following are four
  • What are some tips for creating a budget and sticking to it?
    It's a common problem for many individuals — wondering exactly where your paycheck goes each month. After paying expenses, such as your mortgage,
  • What are some strategies for paying off credit card debt?
    Nowadays, it's easier than ever to get caught up in the cycle of credit card debt. In fact, it's become a growing problem for many Americans.


HCM University provides a select collection of educational resources intended to provide 401K Optimizer subscribers with the information they need to help them in making informed financial decisions. HCM University is not an accredited institution of higher learning.

The HCM 401(k) Optimizer is offered through Howard Capital Management, an SEC-registered investment adviser which only does business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. The firm may make investment decisions that are inconsistent with the information provided herein.


Check the background of this financial professional on FINRA's BrokerCheck.