“Timid men prefer the calm of despotism to the boisterous sea of liberty.”

Thomas Jefferson

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(It’s complimentary. We don’t charge anything until we’ve decided to work together.)

Craig Cairns


Dylan Potter, CFP®


Casey Ryan


“Where liberty dwells, there is my country.”

– Ben Franklin

Secure the blessings of freedom. We believe in America’s founding, and we invest in its future. Let Howe & Rusling help you protect and grow your hard-earned wealth.

We’re here to help make you smarter, stronger, and wealthier.

Financial savviness translates to life savviness. If you’re smart, you’re prepared. And if you’re prepared, you are ahead of the game.

Choose a team to stand beside you, and your strength multiplies. We are comfortable being a shoulder to lean on, and in fact we expect it.

No, money isn’t the answer to hardly anything. But the most powerful thing that money buys is freedom. And with freedom comes fulfillment.



Getting to know you and what makes you tick is maybe our favorite part; it helps us understand what you are looking to achieve and where we can add value.



We believe in the power of putting pen to paper to develop a plan. And this part is collaborative; you know your values better than anyone, but we can use our expertise to set priorities and figure out the best path forward.



So that you can spend your time doing what you love and rest assured that we are doing everything in our power to invest in your tomorrow.

Live Free and Prosper. Have faith in American enterprise and invest with Howe & Rusling. We make your hard-earned money work as hard as you do.

Or, send along your inquiry here, and we’ll get back to you right away.

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Succession Planning and Kids

May 23, 2023

Today on StreetSmarts, President and majority owner at Howe & Rusling Craig Cairns focuses on a personal topic—Succession Planning and Kids.  

A Guide to the 72(q)/72(t) Distribution Method

May 15, 2023

When planning for retirement, tax-advantaged accounts are some of the most common tools that individuals utilize as a vehicle for achieving their long-term goals. This includes IRAs, 401(k)s, 403(b)s, and non-qualified annuities. Each of these accounts have their own unique benefits and limitations, but one thing they all have in common is that they require you to reach age 59 ½ before being able to take penalty-free distributions. However, Section 72(q)/72(t) of the tax code provides a distribution method that will allow you the flexibility to draw on those funds, penalty-free, before the age of 59 ½.

Spring 2023 Market Outlook

April 28, 2023

This never gets easier. In the writing of our Quarterly Outlook, barely a day goes by without a twist or turn with the economy, asset classes, sectors, or portfolio holdings. There is no ‘skipping school’ in our world, but we understand this challenge, as this is our chosen profession. As ‘Spring Break’ has been happening the past few weeks, around here, it is ‘nose to the grindstone’ and prepare for every twist and turn.

Saving for a Child… Which Account Type is Right for You?

April 25, 2023

So, you have decided to help your child or grandchild start saving and investing. That’s fantastic! It’s the first step on their road to financial success. But now you must decide what type of account to use, and you are confronted with a tangled mess of options.