Investment Solutions for

Company-Sponsored Retirement Plans

Investment Solutions for Company-Sponsored Retirement Plans

HCM-Guided Retirement aims to bridge the gap between a plan’s fiduciary obligation and long-term returns.

What is HCM-Guided Retirement?

HCM-Guided Retirement is a service offered by Howard Capital Management, Inc. (HCM) that works alongside advisors and plan sponsors to provide fiduciary support by implementing our 3(38) service and investment models in company-sponsored retirement plans.

Our goal is to provide plan participants access to the HCM-BuyLine® stoploss indicator with the choice of Blended or Custom Models.

Blended Models: Tactical Risk-Based Models (comprised of proprietary Mutual Funds)
Custom Models: Personalized Risk-Based Portfolios (comprised of non-proprietary ETFs and Mutual Funds)

View Our Models

Meet Howard Capital Management, Inc.

Select your retirement plan lineup with professional help.

HCM-Guided Retirement is a service provided by Howard Capital Management, Inc. (HCM), a SEC-registered investment advisory firm which offers professional money management services to private clients, financial advisors, and registered investment advisors. HCM’s management style relies on the guidance of proprietary stoploss indicator, the HCM-BuyLine®, to mitigate loss in major market downturns.

Learn More About HCM

How we work with you

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Schedule a Call

Find a wholesaler in your area to speak to about your retirement plan.

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Competitive Analysis

Utilizing FI360, we will compare the fiduciary ranking of the plan’s current lineup versus HCM’s lineup.

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Model Selection

Based on your preferences, you can choose between HCM’s Blended or Custom models.

Partner with HCM-Guided Retirement Today.

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Mutual Funds and ETFs 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 are unique potential risks associated with the specific asset classes that a Mutual Fund or ETF represents. You should carefully consider the risk, charges, and expenses of an ETF prior to investing. 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. When HCM provides investment advisory services to a retirement plan qualified under the Employee Retirement Income Security Act of 1974 (“ERISA”), as amended, it does so in its capacity as a “fiduciary,” as that term is defined under Section 3(21) of ERISA. When HCM provides these services on a discretionary basis, it does so as an “investment manager,” as that term is defined under Section 3(38) of ERISA. Mutual Funds and ETFs 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 are unique potential risks associated with the specific asset classes that a Mutual Fund or ETF represents. You should carefully consider the risk, charges, and expenses of an ETF prior to investing. 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.