Howard Cadwell


Northeast Passage Financial Advisors

Financial Advisor

Howard Cadwell


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®, AIF®


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."

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.


  • 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

  • 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.

  • Alliance of Comprehensive Planners
    Howard Cadwell is a Member of the Alliance of Comprehensive Planners (ACP)

    Alliance of Comprehensive Planners (ACP) is the community of tax-focused financial planners that operate under the retainer model. Passionately dedicated to superb client service, ACP planners’ only source of income is client retainer fees – not commissions. With an ACP planner, you can be confident you’re getting experience, knowledge, research, and most importantly, advice that is tailored just for you.

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

    Accredited Investment Fiduciary® (AIF®) training empowers investment professionals with the fiduciary knowledge and tools they need to serve their clients’ best interests. Advisors who have earned the Accredited Investment Fiduciary designation have gone through training, met the qualifications, and passed the exam allowing use of the AIF designation and they are immediately able to demonstrate the added value that they can bring to both existing and prospective clients.

Contact Howard Cadwell

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Office Locations:

  • One Liberty Lane East
    Hampton, NH 03842

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