William Howard & Co. Financial Advisors, Inc.

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Client assets under management

$341,278,151

Clients

167

44% high-net worth

Advisors

of 10 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$2,043,582

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

Financial planning Portfolio management Educational seminars or workshops

Expertise

General retirement planning Income planning Divorce financial planning Cash flow / budgeting

Occupation focus

Retired

Fee options

Percentage

$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

Project-based

$250 to $350 per hour for professional time depending on experience; $150 per hour for staff time; $35 per hour for administrative time

Subscriptions

Annual Retainer fee from $400 to $10,000, payable quarterly or annually

Other

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 location

William Howard & Co. Financial Advisors, Inc.

6410 Poplar Ave, Suite 330

Memphis TN 38119-4839, United States

Number of offices

Most active in

Florida · Illinois · Mississippi · New York · Tennessee · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 901-761-5068

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.

General retirement planning Income planning Divorce financial planning Cash flow / budgeting Retired

William H

CFP®, ChFC®

Memphis, TN

William Howard & Co. Financial Advisors, Inc.

William Howard is a CFP® and ChFC® with 30 years of experience in financial advising. He has been with William Howard & Co. Financial Advisors, Inc. since 1987. William Howard & Co. Financial Advisors serves individuals, trusts, pension, and institutional clients, focusing on high-net-worth households. The firm offers discretionary portfolio management and a range of financial advisory services, following a documented six-step investment process that includes written policies, asset allocation, fundamental analysis, and regular client reporting.

General retirement planning Income planning Divorce financial planning Cash flow / budgeting Retired

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.

General retirement planning Income planning Divorce financial planning Cash flow / budgeting Retired

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.

General retirement planning Income planning Divorce financial planning Cash flow / budgeting Retired

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