HOWE & RUSLING INC

RIA/Wealth

HOWE & RUSLING INC is a RIA/Wealth based in Rochester, NY led by Craig Douglas Cairns, reporting $2.0B in AUM as of Q3 2025 with 31% ETF concentration.

CEOCraig Douglas Cairns

Portfolio Value: $1.5B
Positions: 445
Top Holding: AVGO at 4.1%
Last Reported: Q3 2025

Address165 Culver Rd, Suite 100, Rochester, NY, 14620, United States

Top Holdings

Largest long holdings in HOWE & RUSLING INC's portfolio (32.8% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Broadcom Inc. AVGO	Semiconductors Technology	$59.8M	4.10%	-$2.3M Sold	0.00% 181.3K shares	≤ Q2 2013 Held for 12y 5m+
2 Vanguard Total Stock Market VTI	ETF ETF	$59.4M	4.07%	-$2.6M Sold	— 180.9K shares	≤ Q2 2013 Held for 12y 5m+
3 JPMorgan Chase JPM	Banks - Diversified Financial Services	$57.7M	3.96%	-$151.7K Sold	0.01% 183.0K shares	≤ Q2 2013 Held for 12y 5m+
4 iShares Core S&P 500 ETF IVV	ETF ETF	$52.5M	3.60%	+$1.7M Bought	— 78.5K shares	Q4 2017 Held for 7y 11m
5 iShares Core S&P U.S. Growth IUSG	ETF ETF	$51.7M	3.55%	-$764.6K Sold	— 314.4K shares	Q2 2018 Held for 7y 5m
6 Microsoft MSFT	Software - Infrastructure Technology	$42.4M	2.91%	-$356.4K Sold	0.00% 81.9K shares	≤ Q2 2013 Held for 12y 5m+
7 Vanguard Intermediate-Term Corporate Bond VCIT	ETF ETF	$42.1M	2.89%	+$4.1M Bought	— 500.6K shares	≤ Q2 2013 Held for 12y 5m+
8 Apple AAPL	Consumer Electronics Technology	$40.0M	2.74%	+$526.6K Bought	0.00% 157.0K shares	Q3 2025 Held for 2 months
9 iShares Intermediate Government/Credit Bond GVI	ETF ETF	$38.7M	2.65%	+$2.4M Bought	— 360.3K shares	≤ Q2 2013 Held for 12y 5m+
10 iShares Core S&P U.S. Value IUSV	ETF ETF	$34.2M	2.34%	+$3.2M Bought	— 341.9K shares	Q2 2018 Held for 7y 5m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in HOWE & RUSLING INC's latest filing

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Market Value

$1.5B

Prior: $1.4B

Q/Q Change

+7.73%

+$104.6M

Net Flows % of MV

+1.21%

Turnover Ratio

3.81%

New Purchases

7 stocks

$1.2M

Added To

162 stocks

+$58.2M

Sold Out Of

44 stocks

$2.2M

Reduced Holdings

161 stocks

-$39.6M

Increased Positions

Position	Shares Δ	Change
1 iShares 0-3 Month Treasury Bond SGOV	New	0 → 3.5K +$355.4K
2 Applovin Corporation APP	New	0 → 475.0 +$341.0K
3 Galaxy Digital Inc. Class A Common Stock GLXY	New	0 → 6.7K +$226.3K
4 FETH Fidelity Ethereum Fund FETH	New	0 → 5.0K +$207.9K
5 Vanguard Mega Cap 300 Index ETF MGC	New	0 → 246.0 +$60.1K

Decreased Positions

Position	Shares Δ	Change
1 MicroStrategy MSTR	Sold	1.1K → 0 −$432.5K
2 Cracker Barrel Old Country Store CBRL	Sold	6.4K → 0 −$392.3K
3 Fortinet FTNT	Sold	2.6K → 0 −$269.7K
4 Cigna CI	Sold	716.0 → 0 −$236.6K
5 Strive Enhanced Income Short Maturity BUXX	Sold	5.5K → 0 −$111.8K

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Analytics

Portfolio insights and performance metrics for HOWE & RUSLING INC

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Sector Allocation

ETF

31.10%

Technology

19.20%

Financial Services

11.10%

Consumer Cyclical

6.90%

Healthcare

6.40%

Industrials

6.30%

Consumer Defensive

5.60%

Communication Services

4.30%

Energy

3.50%

Utilities

3.00%

Basic Materials

0.80%

Real Estate

0.50%

Market Cap Distribution

Mega Cap (> $200B)

36.38%

Large Cap ($10B - $200B)

27.78%

Mid Cap ($2B - $10B)

2.30%

Small Cap ($300M - $2B)

0.29%

Micro Cap ($50M - $300M)

0.05%

Nano Cap (< $50M)

0.65%

N/A (ETF or Unknown)

32.56%

Portfolio Concentration

Top 10 Holdings %

32.81%

Top 20 Holdings %

49.52%

Top 50 Holdings %

74.23%

Top 100 Holdings %

91.91%