William Howard & Co. Financial Advisors, Inc.

William Howard & Co. Financial Advisors, Inc. is a Registered Investment Adviser established on January 28, 1988, by William Barker Howard, Jr. The firm specializes in providing investment advisory services tailored to individual clients, managing assets on a discretionary and nondiscretionary basis. Clients have the option to impose restrictions on their accounts, and the firm does not participate in wrap programs. Investment advisory fees are based on the market value of assets under management and are payable quarterly. William Howard follows a six-step investment process, including developing an investment policy, analyzing the current portfolio, designing an optimal portfolio, implementing the policy, monitoring and supervising, and rebalancing the portfolio. The firm offers financial advisory services, comprehensive financial planning, single-purpose planning, consultation planning, and annual retainer services. Clients are primarily high-net-worth individuals with a minimum net worth of $1,000,000 and $250,000 annual income. The firm's investment strategies involve asset allocation based on fundamental analysis, with a focus on risk management and long-term goals. William Howard acts as a fiduciary, committed to acting in the best interests of clients. The firm's fee structure is negotiable and includes annual rates based on the market value of assets under management. Clients receive ongoing account reviews, performance reports, and access to a digital portal for enhanced service. William Howard does not engage in performance-based fees, side-by-side management, or receive compensation from outside sources. The firm maintains custody of client assets through a qualified custodian and undergoes an annual surprise examination by an independent public accountant. William Howard does not have discretionary authority over broker selection or commission rates and may recommend Charles Schwab for brokerage services. The firm's professionals, including William Barker Howard, Jr., Brian D. Barthol, and Heather Marie Coulter, hold certifications such as Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®), demonstrating their expertise in financial planning and investment management. The firm upholds a Code of Ethics, ensuring compliance with federal securities laws and acting in the best interests of clients. William Howard's investment strategies involve risk management, including market risk, strategy risk, small and medium cap company risk, and interest rate risk, among others. The firm provides ongoing education and training to maintain high professional standards and offers transparent disclosure of fees and potential conflicts of interest.