# Tracy Gibbs

> Tracy Gibbs is a fee-only financial advisor at Howland Capital in Boston, Massachusetts, who holds the CFP credential. Tracy 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/tracy-gibbs/
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:** CFP
- **Specialties:** Retirement planning, Family wealth transfer
- **CRD:** 4604409 (https://adviserinfo.sec.gov/individual/summary/4604409)
- **SEC registration:** Investment adviser representative in MA
- **Firm size:** 35 employees
- **Disclosures:** None reported
- **Website:** https://www.howlandcapital.com

## Frequently asked questions

### Is Tracy Gibbs a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Tracy 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 Tracy charge for financial advice?

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

### Where is Tracy Gibbs based?

Tracy Gibbs is based in Boston, Massachusetts.

### What does Tracy specialize in?

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

### What credentials does Tracy Gibbs hold?

Tracy Gibbs holds the CFP credential.

### Is Tracy Gibbs registered with the SEC?

Yes. Tracy Gibbs is registered as an investment adviser representative in MA (CRD 4604409), 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 Tracy Gibbs?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4604409): 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.