Howard Financial Services, Ltd.

William Moran is a CFA® charterholder based in Dallas, TX, and is part of the team at Howard Financial Services, Ltd., which includes 14 advisors. He has experience in investment management within a firm that advises high-net-worth individuals, trusts, charitable organizations, and private investment offerings. Howard Financial Services provides personalized investment management and financial planning, focusing on strategic asset allocation and utilizing fundamental, technical, and quantitative analysis. The firm serves a diverse client base and is actively involved in advising and sponsoring private investment funds through its HFS Capital Partners division.

Stephen Howard is a financial advisor at Howard Financial Services, Ltd. in Dallas, TX, holding a Series 65 designation with 14 years of industry experience. He has been with Howard Financial Services since 2011. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm offers investment management, financial planning, tax and legacy planning, and business succession and M&A consulting, typically managing client portfolios on a discretionary basis with strategic asset allocation across multiple asset classes.

Albi Kacani is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Howard Financial Services, Ltd. since 2013. He is based in Dallas, TX, and holds a Series 65 license. Howard Financial Services, Ltd. is a fee-only wealth management firm that serves high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm provides personalized investment management and financial planning, typically implementing strategic asset allocation across multiple asset classes and managing most client accounts on a discretionary basis.

Ross Morrow is a financial advisor at Howard Financial Services, Ltd. in Dallas, TX, holding Series 63 and Series 65 licenses with 17 years of industry experience. He previously worked at The AYCO Company, L.P./Mercer Allied for nine years before joining Howard Financial Services in 2017. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm offers investment management, financial planning, tax and legacy planning, and business succession and M&A consulting, typically implementing strategic asset allocation across multiple asset classes and managing most accounts on a discretionary basis.

Shelby Henderson is a CFP® professional with three years of industry experience, currently serving at Howard Financial Services, Ltd. in Dallas, TX. Prior to joining Howard Financial Services, he worked at Texas Tech University and the Lamar School District RE-2. Howard Financial Services, Ltd. is a fee-only wealth management firm that serves high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm offers personalized investment management and financial planning through its Wealth Management and Capital Partners divisions, employing strategic asset allocation and discretionary portfolio management across various asset classes.

William Gray is a financial advisor at Howard Financial Services, Ltd. in Austin, TX, holding Series 65 and Series 66 licenses with 14 years of industry experience. He has been with Howard Financial Services since 2012. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm offers personalized investment management and financial planning through its Wealth Management and Capital Partners divisions, typically employing strategic asset allocation across various asset classes and managing most client accounts on a discretionary basis.

John Howard is a financial advisor at Howard Financial Services, Ltd. in Dallas, TX, with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Howard Financial Services, Inc. since 2003. Howard serves as a board member of the Camp John Marc Foundation, which operates a camp for disabled or impaired children. Howard Financial Services, Ltd. is a fee-only wealth management firm that provides personalized investment management and financial planning to high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm employs strategic asset allocation across various asset classes and manages most client accounts on a discretionary basis.

Mason Clark is a financial advisor with Howard Financial Services, Ltd. in Dallas, TX, holding a Series 65 designation and six years of industry experience. He has worked at Howard Financial Services since 2019 and previously held positions at Sullivan, Bruyette, Speros & Blayney, Texas Tech University, and Alamo Drafthouse Cinema. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, and small businesses. The firm provides personalized investment management and financial planning, typically using strategic asset allocation across multiple asset classes and managing most accounts on a discretionary basis.

Emily Swerdlow is a CFP® and holds a Series 65 license with 10 years of industry experience. She has been with Howard Financial Services, Ltd. since 2015. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm provides personalized investment management and financial planning, typically implementing strategic asset allocation across various asset classes and managing most client accounts on a discretionary basis.

Chasity Chavez is a CFP® professional with three years of experience in the financial services industry. She is currently with Howard Financial Services, Ltd. in Dallas, TX, having joined the firm in 2023. Her prior work experience includes roles at Money Concepts and in the hospitality industry. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm provides personalized investment management and financial planning through its Wealth Management and Capital Partners divisions, focusing on strategic asset allocation and discretionary account management.

Gregory Mangelsdorf is a CFP® professional with nine years of industry experience. He has worked at Howard Financial Services, Ltd. since 2019 and previously held roles at Atlas Wealth Advisors LLC and WFG Advisors, LP. He is based in Dallas, TX. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm offers personalized investment management and financial planning, typically implementing strategic asset allocation across multiple asset classes and managing most client accounts on a discretionary basis.

Derek Childs is a CFP® and holds a Series 65 license with 14 years of industry experience. He has been with Howard Financial Services, Ltd. since 2009. The firm is a fee-only wealth management company that serves high-net-worth individuals, trusts, estates, charitable organizations, and small businesses. Howard Financial Services offers personalized investment management and financial planning, typically implementing strategic asset allocation across multiple asset classes and managing most client accounts on a discretionary basis.

James Howard is a PFS™ credentialed financial advisor with over 31 years of industry experience. He has been with Howard Financial Services, Ltd. since 1994 and also serves as president of Howard, LLP, a CPA firm he founded in 1981. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm offers personalized investment management and financial planning through its Wealth Management and Capital Partners divisions, typically implementing strategic asset allocation with discretionary portfolio management.

Randall Horton is a financial advisor at Howard Financial Services, Ltd. in Dallas, TX, with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Howard Financial Services since 2013. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, and small businesses. The firm offers personalized investment management and financial planning, implementing strategic asset allocation across various asset classes and managing most accounts on a discretionary basis.

John Roppolo is a financial advisor at Howard Financial Services, Ltd. in Dallas, TX, holding a Series 65 designation with eight years of industry experience. He previously worked at PegasusAblon from 2013 to 2016 before joining his current firm in 2017. Howard Financial Services, Ltd. is a fee-only wealth management firm serving high-net-worth individuals, trusts, estates, charitable organizations, small businesses, and pooled investment vehicles. The firm offers personalized investment management and financial planning through its HFS Wealth Management and HFS Capital Partners divisions, implementing strategic asset allocation across various asset classes and managing most client accounts on a discretionary basis.