{
  "crd_number": 105959,
  "slug": "william-howard-and-co-financial-advisors-inc-memphis-tn-105959",
  "primary_business_name": "WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.",
  "legal_name": "WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.",
  "dbas": [],
  "city": "Memphis",
  "state": "TN",
  "country": "United States",
  "cbsa_code": "32820",
  "metro": {
    "cbsa_code": "32820",
    "common_name": "Memphis",
    "msa_name": "Memphis, TN-MS-AR",
    "path": "/advisors/tn/memphis"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "1988-01-28",
  "years_registered": 38,
  "period": "2026-10-01",
  "filing_date": "2026-03-10",
  "carried_forward": false,
  "raum_total": 342051314.0,
  "raum_discretionary": 325548634.0,
  "raum_non_discretionary": 16502680.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 10,
  "advisory_employees": 4,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 33572194.0,
      "count": 94
    },
    "pension_profit_sharing": {
      "raum": 773163.0,
      "count": 9
    },
    "high_net_worth_individuals": {
      "raum": 307705957.0,
      "count": 73
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 1,
  "states_registered": [
    "FL",
    "IL",
    "MS",
    "NY",
    "TN",
    "TX"
  ],
  "websites": [
    "https://whcfa.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/105959",
  "disclosure_items": [
    {
      "item": "11.D(4)",
      "question": "In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?"
    }
  ],
  "city_as_filed": "MEMPHIS",
  "url": "https://advisorcensus.com/firm/william-howard-and-co-financial-advisors-inc-memphis-tn-105959",
  "display_name": "William Howard & Co. Financial Advisors, Inc.",
  "summary": "William Howard & Co. Financial Advisors, Inc. is an SEC-registered investment advisory firm in Memphis, TN, registered since 1988, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 10, 2026.",
  "citation": "AdvisorCensus. William Howard & Co. Financial Advisors, Inc. (CRD 105959): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is William Howard & Co. Financial Advisors, Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), William Howard & Co. Financial Advisors, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does William Howard & Co. Financial Advisors, Inc. charge?",
      "a": "Its Form ADV Part 2A brochure dated March 10, 2026 states: Hourly rate: $250 to $350 an hour (advice to Clients on matters not involving securities); Hourly rate: $150 an hour (staff time); Hourly rate: $35 an hour (administrative time). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is William Howard & Co. Financial Advisors, Inc. located?",
      "a": "William Howard & Co. Financial Advisors, Inc.'s principal office is in Memphis, TN, according to its Form ADV."
    },
    {
      "q": "Is William Howard & Co. Financial Advisors, Inc. registered with the SEC or a state?",
      "a": "William Howard & Co. Financial Advisors, Inc. is an SEC-registered investment advisory firm, registered since 1988. Status as filed: Approved. CRD 105959."
    },
    {
      "q": "How much does William Howard & Co. Financial Advisors, Inc. manage?",
      "a": "William Howard & Co. Financial Advisors, Inc. reports $342,051,314 in regulatory assets under management in its Form ADV filing dated March 10, 2026 (95% discretionary)."
    },
    {
      "q": "How have William Howard & Co. Financial Advisors, Inc.'s assets and staff changed since 2021?",
      "a": "In the Form ADV data for William Howard & Co. Financial Advisors, Inc.: Regulatory assets under management: $236,297,635 in the October 2021 data and $342,051,314 in the October 2026 data, up 45%. Total employees: 6 in October 2021 and 10 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does William Howard & Co. Financial Advisors, Inc. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (94); high net worth individuals (73); pension and profit sharing plans (but not the plan participants or government pension plans) (9)."
    },
    {
      "q": "Which custodians does William Howard & Co. Financial Advisors, Inc. use?",
      "a": "William Howard & Co. Financial Advisors, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does William Howard & Co. Financial Advisors, Inc. report any disciplinary disclosures?",
      "a": "Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.D(4) (another regulator's order in the past ten years). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/105959"
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 236297635.0,
      "total_employees": 6,
      "filing_date": "2021-09-08"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 273411061.0,
      "total_employees": 7,
      "filing_date": "2022-08-18"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 221971720.0,
      "total_employees": 7,
      "filing_date": "2023-07-19"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 290252431.0,
      "total_employees": 7,
      "filing_date": "2024-03-04"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 320702874.0,
      "total_employees": 10,
      "filing_date": "2025-02-22"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 342051314.0,
      "total_employees": 10,
      "filing_date": "2026-03-10"
    }
  ],
  "recent_changes": [],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 10, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $250 to $350 an hour (advice to Clients on matters not involving securities)",
      "Hourly rate: $150 an hour (staff time)",
      "Hourly rate: $35 an hour (administrative time)"
    ],
    "figures": [
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $250 to $350 an hour (advice to Clients on matters not involving securities)"
        ],
        "quotes": [
          "The fee schedule for professional time ranges from $250 to $350.00 per hour (depending on the experience level of the professional), staff time $ 150.00 per hour and administrative time $ 35.00 per hour."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $150 an hour (staff time)"
        ],
        "quotes": [
          "The fee schedule for professional time ranges from $250 to $350.00 per hour (depending on the experience level of the professional), staff time $ 150.00 per hour and administrative time $ 35.00 per hour."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $35 an hour (administrative time)"
        ],
        "quotes": [
          "The fee schedule for professional time ranges from $250 to $350.00 per hour (depending on the experience level of the professional), staff time $ 150.00 per hour and administrative time $ 35.00 per hour."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": null,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": null,
          "min": 250.0,
          "max": 350.0,
          "period": "hour",
          "service": "advice to Clients on matters not involving securities"
        },
        {
          "kind": "hourly",
          "amount": 150.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "staff time"
        },
        {
          "kind": "hourly",
          "amount": 35.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "administrative time"
        }
      ]
    },
    "quotes": [
      "The fee schedule for professional time ranges from $250 to $350.00 per hour (depending on the experience level of the professional), staff time $ 150.00 per hour and administrative time $ 35.00 per hour.",
      "The fee schedule for professional time ranges from $250 to $350.00 per hour (depending on the experience level of the professional), staff time $ 150.00 per hour and administrative time $ 35.00 per hour.",
      "The fee schedule for professional time ranges from $250 to $350.00 per hour (depending on the experience level of the professional), staff time $ 150.00 per hour and administrative time $ 35.00 per hour."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/william-howard-and-co-financial-advisors-inc-memphis-tn-105959.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 94,
      "fewer_than_5": false,
      "raum": 33572194.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 73,
      "fewer_than_5": false,
      "raum": 307705957.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 9,
      "fewer_than_5": false,
      "raum": 773163.0
    }
  ],
  "disclosure_line": "Reports 1 disclosure item on Form ADV Item 11.",
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/105959",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}