Memphis, TN Office
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William Howard & Co. Financial Advisors, Inc.
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Firm-wide stats for William Howard & Co. Financial Advisors, Inc.
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.
Expertise
Location
6410 Poplar Avenue, Suite 330
Memphis TN 38122
Advisors at this office
3
Advisors at this office
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.
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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