ABOUT US
We believe in having a plan.
We believe in growing your precious, hard-earned money so that ultimately, you can spend your time doing what you love, and we will worry about the rest.
Meet Your Team
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Good people looking to work with good people
We’ve built a team we’re incredibly proud of–highly knowledgeable, passionate, and empathetic individuals. And we happen to be hiring!
Who We Are
As A Registered Investment Advisor, we are required by law to act in the best interest of our clients, even above our own. As an independent firm, Howe & Rusling doesn’t get paid through any type of commission, kickback, or other undisclosed revenue sources, so we can provide advice that aligns best with your financial well-being. The vast majority of our revenue is collected by charging an annual asset-based management fee that covers comprehensive planning and the management of all your investment accounts. Additionally for a limited number of clients, we charge a fee for financial plans.
We listen to you, we care about you, and we understand you. Our clients and the relationships we have are what make us love coming to work everyday. We never lose sight of how important your money is to you, and what a humbling privilege it is be entrusted with managing your financial future.
We believe that any good idea or intention is only made better by collaborative execution, and this mantra drives everything we do, whether in serving you, brainstorming new solutions for you, or improving our firm’s culture—we are stronger as a team. And when we don’t have the expertise or perspective we want within our own bench, we don’t hesitate to collaborate with other trusted advisors.
In a world that feels like it’s always spinning faster than it did the day before, we’ve decided to commit to not just keeping up, but leading. We pride ourselves on being nimble, lean, and forward thinking so that economic, market, and industry change aids us rather than derails us.
To planning for and protecting your financial future as if it were our own so that you can spend more of your life enjoying what you love.
In you, your family, your worries, your stories. In being a trusted partner to you and a shoulder to lean on, especially during times of transition in your life.
HOW WE GOT HERE
In 1930, Winthrop “Wint” Howe founds an investment counseling company. In 1940, Wint Howe partners with Lee Rusling to form Howe & Rusling.
Wint Howe & Lee Rusling are among the first individuals to be awarded the prestigious CFA designation.
Howe & Rusling moved to the Rochester Club Centre building on East Avenue in downtown Rochester, where it was located until 2023.
Craig Cairns, current President, leads a group of employees (including Mary Lisa Sisson and Casey Ryan) to purchase Howe & Rusling, launching a new age of leadership and growth.
Howe & Rusling is still 100% employee owned, as well as woman and veteran owned.
Howe & Rusling reaches $1 billion in assets under management.
Howe & Rusling expands its employee ownership team to include Emily Lambert, Dylan Potter, and Sarah Swan.
Howe & Rusling built its brand new state-of-the-art headquarters at the Culver Road Armory. The office embodies a thoughtful, warm and modern design ethos, featuring class A amenities in shared areas conducive to dynamic collaboration and inspiration, complemented by private offices to ensure confidentiality and privacy.
We love becoming your friend; learning about your family and your life, above and beyond simply managing your wealth.
Our approach to wealth management is holistic and our goal is to become the hub, or the epicenter, of your financial world.
So, by services, we really mean everything that is available to you as our client.
What We Provide
FULL SERVICE
TEAM
A hands-on team of industry certified professionals handle all aspects of account administration and field any questions you might have. We also specialize in helping you navigate uncharted life events or times of transition.
INVESTMENT MANAGEMENT
We employ active portfolio management of various stock, bond, and ETF solutions to help you meet your objectives. And since the impact of investment gains can be increased taxes, we actively consider tax-loss harvesting as part of our process.
FINANCIAL PLANNING
A comprehensive evaluation of your current and future financial concerns by extrapolating variables and testing scenarios helps us develop the best approach for meeting goals. We have several CFP® professionals on our team, and we utilize robust, sophisticated software for planning.
DIRECT ACCESS TO TAX & LEGAL PROFESSIONALS
We are not experts in everything, but we will get you in front of any expert that you need. We have long, trusted relationships with many industry professionals and are happy to facilitate those conversations for you.
FINANCIAL EDUCATION
We love what we do, and we love to teach others about it. When we produce regular educational content, we aim to increase your financial literacy so that you’re better equipped to know what you can do to reach your goals.
DIGITAL
SOLUTIONS
Our processes, from onboarding to account maintenance to reporting, are electronic for increased ease, convenience, and security. We aim to make everything available with the touch of a button.
Always, if we don’t know the answer to your question, we will work hard to find it.
While we ground ourselves in our long, rich history, the firm that exists today is one that continues to embrace the ever-evolving world around us.
We’re interested in interesting people.
We love learning about our clients’ families and lives, and our clients love that we take such interest in what fulfills them and what keeps them up at night, outside of their portfolios.
Our Individual Clients
Whether selling a business, navigating a divorce or family death, or approaching retirement, we specialize in taking the lead during these times of challenging questions and big decisions.
Replacing traditional income streams with portfolio income is our bread and butter. We love partnering with individuals during this time in which financial decisions are just one piece of a new, rewarding, and yet sometimes intimidating puzzle.
Some people are just beginning to build for a financially secure future, and they are often overlooked in the financial advisory space. We commend this group of individuals whose time horizons are long and potential is limitless.
The needs of the ultra wealthy are especially unique. We evaluate and screen venture investments, assist on feasibility studies for project finance, research real estate, and help them make board decisions.
We love learning about our clients’ families and lives, and our clients love that we take such interest in what fulfills them and what keeps them up at night, outside of their portfolios.
We hit it off with individual-like organizations.
Our Institutional Clients
We consider ourselves “uncertainty killers.”
Ready when you are.
