# William Howard & Co. Financial Advisors, Inc.

> 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.

- CRD: 105959
- Filed as: WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Memphis, TN
- Filing period: October 2026
- Form ADV filing dated: March 10, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/105959
- AdvisorCensus page: https://advisorcensus.com/firm/william-howard-and-co-financial-advisors-inc-memphis-tn-105959

## Quick answers

**How is William Howard & Co. Financial Advisors, Inc. compensated?**
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).

**How much does William Howard & Co. Financial Advisors, Inc. charge?**
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.

**Where is William Howard & Co. Financial Advisors, Inc. located?**
William Howard & Co. Financial Advisors, Inc.'s principal office is in Memphis, TN, according to its Form ADV.

**Is William Howard & Co. Financial Advisors, Inc. registered with the SEC or a state?**
William Howard & Co. Financial Advisors, Inc. is an SEC-registered investment advisory firm, registered since 1988. Status as filed: Approved. CRD 105959.

**How much does William Howard & Co. Financial Advisors, Inc. manage?**
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).

**How have William Howard & Co. Financial Advisors, Inc.'s assets and staff changed since 2021?**
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.

**What types of clients does William Howard & Co. Financial Advisors, Inc. serve?**
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).

**Which custodians does William Howard & Co. Financial Advisors, Inc. use?**
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.

**Does William Howard & Co. Financial Advisors, Inc. report any disciplinary disclosures?**
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

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 10, 2026)

- Hourly rate: $250 to $350 an hour (advice to Clients on matters not involving securities)

> 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.

- Hourly rate: $150 an hour (staff time)

> 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.

- Hourly rate: $35 an hour (administrative time)

> 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.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $342,051,314
- Discretionary: $325,548,634
- Non-discretionary: $16,502,680

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 94 | $33,572,194 |
| High net worth individuals | 73 | $307,705,957 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 9 | $773,163 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 1988 (38 years)
- Employees: 10 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, IL, MS, NY, TN, TX
- Disclosures (Item 11): Reports 1 disclosure item on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(4): 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?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/105959

### Websites listed on Form ADV (Item 1.I)
- [whcfa.com](https://whcfa.com)

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $236,297,635 | 6 | September 8, 2021 |
| October 2022 | $273,411,061 | 7 | August 18, 2022 |
| October 2023 | $221,971,720 | 7 | July 19, 2023 |
| October 2024 | $290,252,431 | 7 | March 4, 2024 |
| October 2025 | $320,702,874 | 10 | February 22, 2025 |
| October 2026 | $342,051,314 | 10 | March 10, 2026 |

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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. William Howard & Co. Financial Advisors, Inc. (CRD 105959): Form ADV filing data as of October 2026.