Howland and Assoc, 10261 4th Street N, Saint Petersburg, FL (2026)

03/31/2026

February Letter to Clients:
Portfolio Review

We are in a good place. Your accounts have gained on average 13% in the first two months of 2026. The majority of our long-standing portfolios were up double the market returns in February and year-to-date. Most have about one-third protected from common stock volatility in preferred stocks and cash equivalents offering high yields.

We are navigating the politics and problems of the world with portfolio discipline.

The exceptional rates of return may not be sustainable, but we are making every effort toward maintaining our lead and reducing risks.

We can't forget that 2025 was an extraordinary year. The average growth portfolio gained 42% in 2025.

We also always consider your tax bracket and the impact of capital gains tax in our decision-making process when managing taxable portfolios. As you file your tax returns this spring, update us on your tax situation. We want the best for you, and we are on the same team when it comes to investing and saving money for the long term.

Market Insights

In February, the U.S. capitalization-weighted stock market indexes had their worst performance in eleven months due to AI and inflationary fears. The Nasdaq dropped over 3%, and the S&P 500 fell roughly 1%. The index we use, the S&P 500 Equal Weight, was up 3%.

There was significant volatility for high-flying stocks in February. Major technology names, including Oracle, Microsoft, and Google (none of which you own), had losses. Large market participants seem to have rotated into safer sectors: Materials, Utilities, and Energy. Howland and Associates works to maintain a sector-neutral approach and build safer portfolios diversified across all sectors.

Take care.

Dee S. Howland, CFA®, President
[email protected]
*Text or Call (813) 503-5625

Robert C. Howland, CFP®, Senior Vice President
[email protected]
*Text or Call (813) 777-9717

Howland and Associates, LLC
10261 4th Street N.
Saint Petersburg, FL 33716

07/14/2025

Howland and Associates’ flagship investment strategy, Opportunistic Growth, the average custom portfolio was up 18% for the first half of 2025. The market is up only 4%. Some of our other accounts did even better.

Investing in 2025 is a chess match. We use tactics from our investment playbook to take advantage when volatility strikes, guard our squares, and change with the circumstances when guided by the fundamentals. Every position in the portfolio has a story, purpose, and place. For example, Amazon is a long-term holding with huge capital gains from the past as an internet retailer, but the company also holds promise for future growth with the rise of robotics and quantum computing.

We earn gains for our portfolios from holdings across all sectors. Celestica, a Canadian information technology company, was up 35% for the month of June. Marvell Technology increased by 29%. Celsius, the energy drink maker, and Sterling Infrastructure were each up 23% in June.

We sold Constellation Brands, the premium beer, wine and spirit maker, after a disappointing quarter. Growth is challenging for many companies right now, and investing in stocks calls for proven methods and for risk control. 2025 will be a “transition year” for firms as new laws, orders, and budgets are adjusted. We continue to maintain high amounts of dry powder.

We prosper every day because of our brinkmanship when buying and selling. We have learned through long gain and deep pain all investments must be purchased at a reasonable price, diversification will save your bacon, and no one can time the market.

Cyber security is becoming increasingly important, and we are aware of suspicious situations with the rise of artificial intelligence. We desire to help you with computers and connections as part of our concierge service. Just reach out to us.

Dee S. Howland, CFA®, President
[email protected]

Robert C. Howland, CFP®, Senior Vice President
[email protected]

Address

10261 4th Street N
Saint Petersburg, FL
33716

Telephone

(813) 333-2900

Website

http://www.investHowland.com/

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