About Northeast Passage Financial Advisors…Taking the Worry Out of Your Financial Future Is Our Only Goal

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? You can.

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.

Howard Cadwell created Northeast Passage Financial Advisors to be professional, unbiased and accessible: fee-only, with depth for those who have complex finances, but with straightforward access to advice for those who just need a checkup or short-term guidance.

Howard also wanted to offer special guidance to families like his own: juggling the financial uncertainty of planning for 2- or 3-decade retirements with the potential or current need to support aging parents, or to finance their children’s education—or all three at once! Howard himself has been a court appointed guardian for three elderly and disabled family members, and has a career background in healthcare and insurance for seniors. He’s also raising his second generation of children (adopted) and has specialized in college-financing solutions that go well beyond the traditional approaches (e.g. getting financial aid) to include scholarships, grants, and “tax scholarships.”

Howard is a CERTIFIED FINANCIAL PLANNER™ (CFP^®), and a Registered Investment Advisor in New Hampshire. As an Accredited Investment Fiduciary^® (AIF^®), he has received special training in the requirements of managing investments for retirement plans, trusts and charitable endowments.

Before developing Northeast Passage, Howard was an executive at two Fortune 500 insurance and benefits companies. Earlier, Howard coached physicians on their practice operations and personal finances as CEO of a practice management company, and also developed various private placement investments in health care startups. He is a graduate of Dartmouth College (BA 1975), University of Minnesota (MHA 1978), and the College of Financial Planning (2006).

Howard comments, “I am very pleased to be part of the Alliance of Cambridge Advisors, which consists of over 150 leading financial advisors with backgrounds in financial planning, insurance, taxation, pensions, accounting, investing and the law. We cross-advise and cross-train all the time, so you can indeed be the beneficiary of many professional minds.”

When you work with us, you can expect:

Straight talk. We don’t sell any financial products nor do we receive any commissions. As fee-only financial advisors, our only compensation is what you pay for our professional advice. Our complete focus is on what is best for you.
All-inclusive approach. Together we evaluate all aspects of your finances and design a strategy where each part works in harmony with the others. You’ll see that we pay a lot of attention to areas of your financial life that are often overlooked or ignored by other “financial planners.”
Access. Life is constantly changing. For one annual retainer fee, you can meet with us or speak to us often as is necessary to help you accomplish your financial goals.
Value for your money. We are committed to providing value that exceeds our fee. It’s a concept that is virtually non-existent in the financial planning profession. But doesn’t it make sense that your financial advisor should work to save you more than he charges you?
The highest professional standards. We are committed to the Cambridge Pledge to Clients—your assurance of receiving the ethical and professional treatment you deserve.

Would you worry less with a professional fee-only financial advisor on your side? Contact Northeast Passage to learn more about the financial strategies that will help you achieve your goals.

DISCLAIMER: This website is for informational purposes only and does not constitute a complete description of our investment services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registration exists. Information throughout this site, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY 'LINKED' WEBSITE.

Northeast Passage Financial Advisors LLC is a registered investment advisor with the State of New Hampshire. When the number of clients in any other state exceeds five clients, Northeast Passage Financial Advisors will also register for service of process in that state. Northeast Passage Financial Advisors renders individualized responses to persons in a particular state only after complying with the state's regulatory requirements, or pursuant to an applicable state exemption or exclusion.

Howard J. Cadwell, CFP^®

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“Money has a purpose. Live the life you want to live.”

CFP