Howard Financial Services, Ltd.

Howard Financial Services, Ltd. is a Registered Investment Adviser founded in 1994, specializing in fee-only wealth management services. The firm caters to high net worth individuals, pensions, trusts, charitable organizations, and small businesses. Services include investment management, financial planning, tax planning, legacy planning, retirement planning, insurance advice, and education funding recommendations. The firm also advises on organizational structure, succession planning, and business transactions for small businesses. Clients have the option to impose restrictions on investments through an Investment Policy Statement. The firm's owners are listed, and as of December 31, 2022, managed over $980 million on a discretionary basis. The minimum account size for investment management is $750,000, with discretion to waive this requirement. Investment strategies include fundamental security analysis, technical analysis, and quantitative analysis, with a focus on strategic asset allocation. Fees are negotiable and based on a tiered schedule or fixed amounts. The firm discloses potential conflicts of interest related to private placements and affiliated activities, with a commitment to act in the best interests of clients. Clients receive quarterly performance reports and have the option for ongoing financial planning services.