Michael Carrico, CFP^®, CRPC^®
Howe & Rusling, Inc.

Financial Services

Howe and Rusling, Inc. primarily offers large cap equity and intermediate fixed income investment management. Howe and Rusling, Inc. researches security selection, and tactical asset class and sector allocations. Howe and Rusling, Inc. assists our clients with some financial planning and on occasion uses outside asset managers and ETFs but mainly specializes in security selection. Howe and Rusling, Inc. has three primary equity strategies: Core Equity Portfolio: A diversified portfolio of approximately 40 large cap equities, Howe and Ruslings primary strategy. Equity Income Portfolio: A portfolio of approximately 30 higher dividend equities, intended for clients looking to increase their portfolio income, or reduce their portfolio volatility. Our fixed income analysts use a combination of macroeconomic analysis & forecasting, proprietary modeling, sector-specific research, and financial reporting analysis. All securities are considered based on their yield to maturity, risk/reward profile, their liquidity, and how they fit into each portfolio. Howe and Ruslings primary fixed income expertise is in the Treasury, agency, investment grade corporate, municipal, and agency mortgage-backed sectors; however, Howe and Rusling also has experience in other sectors. Howe and Rusling has robust trading programs and best-execution policies to ensure our clients get competitive pricing, and to maximize their liquidity.

Howe and Rusling, Inc. primarily offers large cap equity and intermediate fixed income investment management. Howe and Rusling, Inc. researches security selection, and tactical asset class and sector allocations. Howe and Rusling, Inc. assists our clients with some financial planning and on occasion uses outside asset managers and ETFs but mainly specializes in security selection.

Howe and Rusling, Inc. has three primary equity strategies:
Core Equity Portfolio: A diversified portfolio of approximately 40 large cap equities, Howe and Rusling's primary strategy.
Equity Income Portfolio: A portfolio of approximately 30 higher dividend equities, intended for clients looking to increase their portfolio income, or reduce their portfolio volatility.

Our fixed income analysts use a combination of macroeconomic analysis & forecasting, proprietary modeling, sector-specific research, and financial reporting analysis. All securities are considered based on their yield to maturity, risk/reward profile, their liquidity, and how they fit into each portfolio.

Howe and Rusling's primary fixed income expertise is in the Treasury, agency, investment grade corporate, municipal, and agency mortgage-backed sectors; however, Howe and Rusling also has experience in other sectors. Howe and Rusling has robust trading programs and best-execution policies to ensure our clients get competitive pricing, and to maximize their liquidity.

A comprehensive evaluation of your current and future financial concerns by extrapolating variables and testing scenarios helps us develop the best course of action for meeting your goals.

Our Financial Planning team is made up of a CPA and an estate attorney in addition to our several CFP® professionals because it is critical that we are able to review your plan considering all pillars of financial planning, including: Cashflow and Debt Management, Retirement Savings and Income, Risk Management and Insurance, Investment Planning, Tax Planning, and Estate Planning.

Howe and Rusling, Inc. primarily offers large cap equity and intermediate fixed income investment management. Howe and Rusling, Inc. researches security selection, and tactical asset class and sector allocations. Howe and Rusling, Inc. assists our clients with some financial planning and on occasion uses outside asset managers and ETFs but mainly specializes in security selection.

Howe and Rusling, Inc. has three primary equity strategies:
Core Equity Portfolio: A diversified portfolio of approximately 40 large cap equities, Howe and Ruslings primary strategy.
Equity Income Portfolio: A portfolio of approximately 30 higher dividend equities, intended for clients looking to increase their portfolio income, or reduce their portfolio volatility.

Our fixed income analysts use a combination of macroeconomic analysis & forecasting, proprietary modeling, sector-specific research, and financial reporting analysis. All securities are considered based on their yield to maturity, risk/reward profile, their liquidity, and how they fit into each portfolio.

Howe and Ruslings primary fixed income expertise is in the Treasury, agency, investment grade corporate, municipal, and agency mortgage-backed sectors; however, Howe and Rusling also has experience in other sectors. Howe and Rusling has robust trading programs and best-execution policies to ensure our clients get competitive pricing, and to maximize their liquidity.

Retirement savings and income planning involves setting retirement goals and developing a plan to achieve them. It includes identifying sources of retirement income, such as Social Security, pensions, and investments, and determining when you can afford to retire.

Howe & Rusling can assist clients and prospective clients with rollovers from employer sponsored retirement plans to an IRA. Howe & Rusling will provide education on options available to retirement plan participants to help them understand the advantages and disadvantages of rollovers.

Consistent with fiduciary duty, Howe & Rusling is required to disclose applicable conflicts of interest associated with its rollover recommendations. Howe & Rusling's rollover recommendations create a conflict of interest if Howe & Rusling will earn a new (or increase its current) advisory fee on the rolled over assets. Please see Item 5 of Form ADV Part 2A for further information regarding Adviser's services, fees, and other conflicts of interest.

Clients and prospective clients considering a rollover from a qualified employer sponsored workplace retirement plan ("Employer Retirement Plan") to an Individual Retirement Account ("IRA"), or from an IRA to another IRA, are encouraged to consider and to investigate the advantages and disadvantages of an IRA rollover from their existing plan or IRA, including, but not limited to, factors such as management expenses, transaction expenses, custodial expenses and available investment options. Potential alternatives to a rollover may include:
-Leaving the money in your former Employer Retirement Plan, if permitted;
-Rolling over the assets to your employer's plan, if one is available and if rollovers are permitted;
-Rolling over Employer Retirement Plan assets into an IRA; or
-Cashing out (or distributing) the Employer Retirement Plan assets and paying the taxes due.

Insurance planning involves assessing your current financial situation and identifying potential risks that could impact your financial stability, such as job loss, disability, or illness. It also includes protecting yourself and your assets through insurance, such as life, health, and disability insurance.

Howe & Rusling does not sell insurance products and is not affiliated with any insurance brokers. If any gaps in insurance coverage are identified during the financial planning process, Howe & Rusling may advise clients to engage with an insurance professional to obtain coverage.

Howe & Rusling does not sell annuities or other insurance products. We can review existing annuity policies as part of our financial planning services to analyze how the policy fits into your retirement income plan.

Estate planning involves the analysis of financial issues with respect to living trusts, wills, estate tax, powers of attorney, asset protection plans, nursing homes, Medicaid, and elder law. A well-crafted estate plan can help minimize taxes and ensure that your assets are distributed according to your wishes.

Howe & Rusling is not licensed to provide and does not provide legal, tax or accounting advice to clients. Advice of qualified counsel or accountant should be sought to address any specific situation requiring assistance from such licensed individuals.

Howe & Rusling provides tax planning services as part of financial planning services. Tax planning involves identifying strategies to minimize your tax liability and maximize your after-tax income. Effective tax planning can help individuals and businesses reduce their tax burden, optimize their cash flow, and increase their savings. It involves analyzing one's income, investments, and expenses to identify potential tax savings opportunities.

Investment planning involves developing an investment strategy that aligns with your financial goals and risk tolerance. It includes selecting appropriate investment vehicles and monitoring your portfolio's performance to ensure that it is on track to meet your goals.

Howe & Rusling is a full-service wealth management firm that provides financial planning, investment management, estate planning and tax strategy. We believe in a holistic, data-driven approach to evaluate and optimize your financial well-being.

Our process begins with fully understanding what you want most out of life. Using sophisticated tech and in-depth analysis we'll collaboratively create a strategic roadmap to help you achieve more with your money.

Risk management and insurance planning involves assessing your current financial situation and identifying potential risks that could impact your financial stability, such as job loss, disability, or illness. It also includes protecting yourself and your assets through insurance, such as life, health, and disability insurance.