Howard Cadwell

CFP®

Northeast Passage Financial Advisors

Financial Advisor

Howard Cadwell

CFP®

Northeast Passage Financial Advisors

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Howard Cadwell, CFP®

603-772-8729

Fee Only Financial Planner Located in Hampton, NH and Serving Clients in NH, ME and MA.

Howard Cadwell is a Hampton, NH fee-only financial planner. Northeast Passage Financial Advisors provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Howard Cadwell is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Howard Cadwell is a Fee Only Financial planner in Hampton, NH, and is a NAPFA-Registered Financial Advisor.  As a member of the Allicance of Cambridge Advisors (ACA) group of financial planners, Howard believes strongly in an integrated approach to financial planning, where he helps clients to put their entire financial house in order, and keep it that way. 

Howard also  specializes in "what REALLY works" in retirement planning and investment advice, using his career background in insurance and benefits to sort out the sometimes-competing strategies offered by different parts of the advisor community.

Howard summarizes, "I deal with questions both large and small when providing financial planning advice.  However, the biggest financial benefits to my clients often attach to how they save and invest, and how they arrange their finances for retirement.  Most financial advisors are well-meaning, but their advice seems to arise from how they were trained or how they are compensated.  But the best ways to invest and manage the retirement transition are often NOT the strategies most often recommended.  Being fee-only, I deal with these questions impartially, and make it my business to turn the best financial planning research into straightforward advice that will pay off."

Howard Cadwell is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning

Do you want to feel more confident about the financial decisions you make? Would you rest easier knowing that you are doing everything you need to in order to achieve financial independence? Do you want to have more time and freedom for the things you enjoy?

Whatever your current situation, financial concerns have an impact on your life and relationships. We can help you make the financial decisions that will make the most of what you have now and help you build a more secure, enjoyable future.

At Northeast Passage Financial Advisors, we help people make smart choices about money, so that they can achieve their goals and live according to their values.  We do this by helping them put their entire financial house in order, and keep it that way – forever.

You can get a financial checkup, or stay on with us as retainer clients, where we’ll partner with you to achieve financial independence and peace of mind … one manageable step at a time.

Our ideal client is saving and investing for retirement, but wants unconflicted guidance on how to grow, conserve and distribute their  retirement capital.  There may also be cross-current concerns about aging parents, and perhaps about paying for college.  We specialize in these situations.  We are also proud of how we help our wealth management clients spot the risky passages in the market ahead of time, as well as to earn good returns during the good times.

Our full wealth management services include a patented portfolio management service designed to generate after-tax returns that are significantly higher than pre-tax returns in taxable portfolios for higher-income investors, while also rationalizing gifting for college education, children, aging parenets or charitable causes.

We are members and co-owners of the Alliance of Cambridge Advisors (ACA), with a range of professional specialties.  We cross-train and cross-advise all the time, so our clients benefit from many professional minds.
 

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Howard Cadwell is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Howard Cadwell is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Accredited Investment Fiduciary®
    Howard Cadwell is an Accredited Investment Fiduciary® (AIF)

    Advisors who have earned the Accredited Investment Fiduciary designation are able to immediately show that they are interested in and working towards the best interests of their clients. They have gone through training, met the qualifications, and passed the exam allowing use of the AIF designation.

Contact Howard Cadwell

Please enter your name
Please enter a valid 10 digit US phone number in the format xxx-yyy-zzzz
Please enter a valid email address
Please leave a message for the advisor.
Please verify that you aren't a robot.
There was an issue sending your message. If this issue persists, please contact support.
Your message has been successfully sent to the advisor. Please allow some time for a reply.

Office Locations:

  • One Liberty Lane East
    Hampton, NH 03842

Outdated Browser Detected!

If you're seeing this message, it's because the web browser you're using to access our site is much older and no longer supported. Due to privacy and safety concerns, we don't allow older browsers to access our site. In order to access WhyFiduciary.com, please use a newer browser, like Internet Explorer 10 or above, Google Chrome, or Mozilla Firefox.

Download a newer browser