# Charles Clapp

> Charles Clapp is a fee-only financial advisor at Howland Capital in Boston, Massachusetts, who holds the CFA credential. Charles focuses on retirement planning and family wealth transfer. Howland Capital reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/charles-clapp/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Howland Capital
- **Based in:** Boston, Massachusetts
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $3.74B across 2,010 accounts
- **Credentials:** CFA
- **Specialties:** Retirement planning, Family wealth transfer
- **CRD:** 1514566 (https://adviserinfo.sec.gov/individual/summary/1514566)
- **SEC registration:** Investment adviser representative in MA
- **Firm size:** 35 employees
- **Disclosures:** None reported
- **Website:** https://www.howlandcapital.com

## Frequently asked questions

### Is Charles Clapp a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Charles holds no broker registration, and Howland Capital reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Charles charge for financial advice?

Charles's firm, Howland Capital, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Charles Clapp based?

Charles Clapp is based in Boston, Massachusetts.

### What does Charles specialize in?

Charles's specialties include retirement planning and family wealth transfer.

### What credentials does Charles Clapp hold?

Charles Clapp holds the CFA credential.

### Is Charles Clapp registered with the SEC?

Yes. Charles Clapp is registered as an investment adviser representative in MA (CRD 1514566), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Howland Capital manage?

Howland Capital reports $3.74B across 2,010 accounts in assets under management.

### How do I contact Charles Clapp?

Through Charles's website, www.howlandcapital.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1514566): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.howlandcapital.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.