Boca Raton, FL Office

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.