William Howard & Co. Financial Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$341,278,151
Clients
167
Advisors
4
across 2 offices
About
William Howard & Co. provides investment advisory and portfolio management to individual and institutional clients, including high-net-worth individuals, pension plans, trusts, estates, and charitable organizations; the firm generally targets clients with at least $1 million in net worth and $250,000 in annual income but may accept clients at its discretion. Services include discretionary and nondiscretionary investment management, comprehensive and single-purpose financial planning, ongoing financial advisory engagements, annual retainer arrangements, and certain trustee and trust-administration services.
The firm follows an individualized six-step investment process that begins with a written investment policy and emphasizes asset allocation and fundamental analysis, implementing portfolios through custodial relationships with Charles Schwab and rebalancing as market conditions dictate. Clients receive quarterly reporting, periodic reviews (typically at least semi-annually or annually), and access to a digital client portal; the firm also may employ sub‑advisers for certain accounts and discloses material strategy risks such as turnover and concentration.
Distinctive features disclosed in the brochure include an outward-facing presence—maintaining a public website and a listing on a Financial Planning Association consumer referral service—and participation in Schwab Institutional, which provides marketing, research and presentation support that can extend the firm’s third‑party visibility and educational outreach. The firm also highlights staff expertise in niche areas (including a Certified Divorce Financial Analyst credential and specific trust administration services) and transparently discloses a 2024 administrative enforcement action involving an employee’s unregistered activity in another state.
Client services
Expertise
Occupation focus
Fee options
$0.00 - $249,999: 1.95% annually $250,000 - $499,999: 1.75% annually $500,000 - $749,999: 1.50% annually $750,000 - $999,999: 1.25% annually $1,000,000 - $1,999,999: 1.00% annually $2,000,000 - $2,999,999: 0.80% annually $3,000,000 - $3,999,999: 0.65% annually $4,000,000 - $7,999,999: 0.50% annually $8,000,000 - $9,999,999: 0.40% annually $10,000,000+: 0.35% annually
$250 to $350 per hour for professional time depending on experience; $150 per hour for staff time; $35 per hour for administrative time
Annual Retainer fee from $400 to $10,000, payable quarterly or annually
Account minimum: $250,000 Fee-only: Annual Retainer fee ranges from $400 to $10,000 based on complexity, payable quarterly or annually; hourly fees range from $250 to $350 per hour for professional time, $150 per hour for staff time, and $35 per hour for administrative time; $700 annually for administration and trustee services for Irrevocable Life Insurance Trust accounts
Main office
See office6410 Poplar Avenue, Suite 330
Memphis TN 38122
Advisors at this office
3
Offices (2)
Most active in
Florida · Illinois · Mississippi · New York · Tennessee · Texas
Also doing business as
William Howard & Co Financial Advisors Inc · William Howard & Co Financial Advisors, Inc · William Howard & Co Financial Advisors, Inc. · William Howard & Co. Financial Advisors, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Heather C
CFP®, Series 63
Memphis, TN
William Howard & Co. Financial Advisors, Inc.
Heather Coulter is a CFP® with 15 years of industry experience, currently serving at William Howard & Co. Financial Advisors, Inc. since 2023. Prior to this, she worked for seven years at Coyle Financial Counsel, LLC. Outside of finance, she is a Jazzercise instructor and franchise owner. William Howard & Co. Financial Advisors serves high-net-worth individuals, trusts, and institutional clients, offering discretionary portfolio management and a range of financial planning services. The firm follows a documented six-step investment process focused on asset allocation and fundamental analysis, providing clients with regular reporting and reviews.
William H
CFP®, ChFC®
Memphis, TN
William Howard & Co. Financial Advisors, Inc.
William Howard Jr. is a CFP® and ChFC® with 31 years of industry experience. He has been with William Howard & Co. Financial Advisors, Inc. in Memphis, TN since 1987. William Howard & Co. Financial Advisors provides investment advisory and portfolio management services to individual and institutional clients, including high-net-worth individuals, pension plans, trusts, estates, and charitable organizations. The firm employs a six-step investment process focused on asset allocation and fundamental analysis, offers both discretionary and nondiscretionary management, and maintains client relationships through regular reporting and a digital portal.
Valerie L
CFP®, Series 63, Series 65
Boca Raton, FL
William Howard & Co. Financial Advisors, Inc.
Valerie Lasher Adelman is a CFP® with 28 years of experience in the financial services industry. She is currently with William Howard & Co. Financial Advisors, Inc. and has prior experience at Financial Asset Management Corp and Chestnut Financial, LLC. In addition to her advisory work, she serves as a Certified Divorce Financial Analyst through her consulting firm, VLA Financial Services, LLC, providing financial advice related to divorce proceedings. William Howard & Co. Financial Advisors serves high-net-worth individuals, trusts, and institutional clients, offering discretionary portfolio management and a range of financial planning services. The firm follows a documented six-step investment process focused on asset allocation and fundamental analysis, with regular client reporting and reviews.
Brian B
CFP®
Memphis, TN
William Howard & Co. Financial Advisors, Inc.
Brian Barthol is a CFP® professional with four years of industry experience, currently serving at William Howard & Co. Financial Advisors, Inc. in Memphis, TN. He has been with the firm since 1997, working within a team of four advisors. William Howard & Co. Financial Advisors serves individuals, trusts, pension, and institutional clients, focusing on high-net-worth households. The firm employs a six-step investment process centered on written investment policies, asset allocation, and fundamental analysis, providing discretionary portfolio management along with comprehensive financial planning and consultation services.
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