Tracy Gibbs
Howland Capital · Boston, Massachusetts
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.
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Specialties
Facts
| Firm | Howland Capital |
|---|---|
| Based in | Boston, Massachusetts |
| Fee model (firm's Form ADV) | Percentage of assets · Hourly · Fixed fees |
| Assets under management | $3.74B across 2,010 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in MA · CRD 4604409 |
| Firm size | 35 employees |
| Disclosures | None reported |
| Website | www.howlandcapital.com |
How Tracy's firm compares
- Howland Capital's average account is about $1.9 million, from its Form ADV (assets managed divided by 2,010 accounts).
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Questions about Tracy
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Howland Capital website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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