Thank you for your interest in Freedom & Faith investing with Howe & Rusling

Craig Cairns


Dylan Potter, CFP®


Casey Ryan


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

Thomas Jefferson

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“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.

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Market Insights: Emotional Biases

March 31, 2023

Investor Jim O’Shaughnessy said that “human nature is the last sustainable edge” due to its remarkable consistency over thousands of years. We may no longer be trading tulips in Amsterdam or speculating on the ticker tapes in bucket shops, but from a behavioral and emotional standpoint, we do not act differently than our forefathers.

T-Bills: The Real Yield

March 28, 2023

We’re getting a lot of questions lately regarding Treasury Bills, also called T-Bills. Often, clients want to know why they shouldn’t just purchase a 6-month T-Bill at 5% yield. While parking some cash in a 6-month T-Bill can be a financially appropriate move, let’s talk about why it should only be part of one’s overall investment strategy.

The Slow Burn

March 24, 2023

This week, the Federal Reserve raised interest rates another .25% in its battle against inflation. In the weeks, and then ultimately days (in light of banking turmoil), leading up to the announcement, everyone everywhere seemed to take it upon themselves to offer Fed Chair Jerome Powell their own version of advice. And there were pretty sound arguments on both sides of the debate. Ultimately, the Fed did what we thought it would do—continue on its path of rate increases, albeit slower than what felt likely even just a few weeks prior (.50%).

State of Banking

March 15, 2023

Three banks have made headlines in recent days, Silvergate Bank and its holding company Silvergate Capital Corp (NYSE: SI), Signature Bank (Nasdaq: SBNY), and most notably Silicon Valley Bank and its holding company SVB Financial Group (Nasdaq: SIVB).  Silvergate Bank is a major bank of the cryptocurrency community and announced on March 8, 2023 that it would be winding down operations with plans to liquidate voluntarily.[1]  On Friday, March 10, 2023 California banking regulators announced that the FDIC would take over the liquidation of Silicon Valley Bank holding company SVB Financial Group.[2]  On Sunday night, March 12, New York banking…

The Stockdale Paradox

March 1, 2023

Admiral James Stockdale was the highest-ranking American taken prisoner during the Vietnam War after his A-4 Skyhawk fighter was shot down over North Vietnam. Stockdale ejected, breaking a bone in his back. Upon landing in a remote village, he badly dislocated his knee, which subsequently went untreated. Shortly thereafter, he was captured by North Vietnamese forces.

Diving In Again: Roth 2.0

February 17, 2023

It seems the only things discussed these days in financial publications are interest rates, inflation, and labor markets. It makes sense. The disconnect between the stories the Fed officials are telling and the one the market seems to be sketching makes for a mesmerizing experience akin to staring into a campfire. It is hard to look away. One of these parties will have to be wrong, but which one?

A lot to unpack

February 11, 2023

Larry Summers, former Secretary of the Treasury, recently said, “It’s as difficult an economy to read as I can remember.” To cut to the chase: we would retweet that sentiment. Jerome Powell, Federal Reserve Chair, has practically all but said […]

A Guide to Social Security

February 3, 2023

Social Security can feel complicated and intimidating. Here's your complete guide to learning and understanding what it is, how it works, and when to claim it.

Market Outlook Winter 2023

January 27, 2023

At the start of every calendar year, we see the major financial institutions providing their ‘outlook’ for the markets. Usually, the outlooks are hedged by not being too divergent from consensus, but nonetheless, they all must predict something, knowing that if their thesis comes true, they can lay claim to have made the right call.