Combat veteran. Cancer researcher. Fiduciary CIO.

Drew Howard is the founder and Chief Investment Officer of Howard Fiduciary Investments, a fee-only fiduciary RIA. Every client portfolio is managed in-house under one coordinated, regime-aware architecture. No outsourced models. No third-party products. No conflicts.

The road here was not conventional. Air Force Intelligence Operations: counter-terrorism, influence operations, and human-factor analysis, including how money moves through conflict. Then doctoral training in translational molecular biology: patents, preclinical research, and the discipline of claims that must survive evidence. Then nearly a decade of fiduciary advisory practice. Different arenas, one through-line: virtue, humanity, and strategic thinking that does not stay inside conventional silos.

Those environments teach the same lesson that now governs every portfolio decision. Process matters more than prediction. Signals are read. Discipline is followed. Outcomes are accepted without hedging. That rigor informs HFI's Alpha Trend architecture, a long-flat system that participates when trends are sustained and steps aside when they fail, rather than forcing exposure the environment does not reward.

Clients are successful professionals and families with meaningful wealth who want the truth, not performance. They have outgrown advisors who default to indexing or 60/40 without a repeatable process for regime shifts. At HFI the work is transparent and fiduciary in the strictest sense. The same discipline is applied to every account under the same process when signals confirm.

HFI exists because the firm Drew wanted for his own family did not exist: fiduciary investment management held personally by the person responsible for it, planning built around a household's actual life, and no salesperson in the middle. He is a registered investment adviser representative, an accomplished professional pursuing the same financial independence his clients are, and he built the firm that he, his family, and his friends could trust with the road there.