William Howard & Co Financial Advisors Inc

Registered adviser

CIK

2023493

Location

MEMPHIS, TN

Portfolio Value

Small $122,841,249

Diversification

Highly concentrated

Filing Date

Global Rank

#7,878 / 8,827 ▼ 50 · as of Jun 2026

Top Industry

Electronic Components 27.5%

Period ended 38 days ago

Filed Nov 4, 2026 · 3d

11 quarters · since Mar 2024

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Registered adviser

Form ADV roster, Nov 1, 2026

Form ADV adviser

CRD 105959

Roster of Nov 1, 2026

Regulatory AUM

$342,051,314

Main clients

Individuals and high net worth (100% of AUM)

Form ADV history

Monthly rosters from Dec 2019; each row is a run with the same figures, newest first.

Rosters	Regulatory AUM	Main clients
Apr 2026 to Nov 2026	$342,051,314	Individuals and high net worth (100%)
Mar 2025 to Mar 2026	$320,702,874	Individuals and high net worth (100%)
Apr 2024 to Feb 2025	$290,252,431	Individuals and high net worth (100%)
May 2023 to Mar 2024	$221,971,720	Individuals and high net worth (100%)
Apr 2023	$221,971,720	Individuals and high net worth (100%)
Apr 2022 to Mar 2023	$273,411,061	Individuals and high net worth (99%)

3 earlier changes not shown.

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, the newest measured quarter, never from the firm's own description.

Style

Concentrated

The top 10 positions are 94.1% of the book (60%+)

Turnover

Low turnover

1.8% over the last four quarters (under 30%)

Horizon

Medium horizon

Value-weighted holding period 9.9 quarters (4 to under 12)

Closest benchmark: every 13F filer's combined book, active share 89.4%; sector active share 79.9% against the combined 13F book's sector weights.

Over time 10 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

View clone backtest

Portfolio Concentration

51 tracked positions · as of Sep 30, 2026 · Δ vs Jun 30, 2026

Top Position

79.3%

+0.4 pts

Top 5

88.7%

+0.7 pts

Top 10

94.8%

+0.7 pts

HHI

6,319

Highly concentrated+72

Portfolio Trend

11 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	93.7%	$115,123,579	44
Technology	3.8%	$4,663,012	4
Financial Services	1.3%	$1,542,767	2
Healthcare	1.2%	$1,511,891	1

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

23 positions

Ticker	Company	Δ Shares	Shares	Value
APH	Amphenol Corp	+12,004	25,202	$2,124,528
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	+1,367	63,452	$4,451,157
IEFA	iShares Core MSCI EAFE ETF	+1,223	57,236	$5,545,023
ICF	iShares Select U.S. REIT ETF	+1,195	162,117	$10,197,159
VNQ	VANGUARD REAL ESTATE INDEX FUND	+682	16,720	$1,498,613
IEMG	iShares Trust	+461	16,728	$0
PFF	iShares Preferred and Income Securities ETF	+256	28,710	$846,945
IWM	iShares Russell 2000 ETF	+58	47,647	$13,240,624
TIP	iShares TIPS Bond ETF	+56	13,598	$1,414,735
SHY	iShares 1-3 Year Treasury Bond ETF	+39	20,562	$1,669,634
SCHV	Schwab U.S. Large-Cap Value ETF	+37	7,667	$255,387
SCHA	Schwab U.S. Small-Cap ETF	+35	11,582	$377,920
SCHX	Schwab U.S. Large-Cap ETF	+29	10,810	$324,300
IWD	iShares Russell 1000 Value ETF	+14	3,892	$964,943
AVLV	Avantis U.S. Large Cap Value ETF	+10	3,803	$343,943
IJH	iShares Core S&P Mid-Cap ETF	+10	8,054	$579,485
SCHG	Schwab U.S. Large-Cap Growth ETF	+8	7,865	$282,589
IWF	iShares Russell 1000 Growth ETF	+7	8,109	$1,015,733
ITOT	iShares Core S&P Total U.S. Stock Market ETF	+5	4,144	$689,064
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	+4	5,584	$331,187
VV	VANGUARD LARGE-CAP INDEX FUND	+2	1,059	$372,609
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	+1	1,263	$472,665
VNQI	VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX FUND	+1	22,559	$959,208
No positions match the current search.

Trimmed

Positions the filer reduced

13 positions

Ticker	Company	Δ Shares	Shares	Value
IWV	iShares Russell 3000 ETF	−755	13,023	$5,621,508
IEI	iShares 3-7 Year Treasury Bond ETF	−643	28,537	$3,237,237
IEF	iShares 7-10 Year Treasury Bond ETF	−594	127,982	$11,430,072
AAPL	Apple Inc.	−586	5,721	$1,905,207
IVV	iShares Core S&P 500 ETF	−541	39,585	$30,316,172
AGG	iShares Core U.S. Aggregate Bond ETF	−520	8,820	$833,842
VEA	Vanguard FTSE Developed Markets ETF	−359	36,282	$2,561,872
FRDM	Freedom 100 Emerging Markets ETF	−193	15,692	$1,097,812
EFA	iShares MSCI EAFE ETF	−55	29,540	$3,068,910
QQQ	Invesco Qqq Trust, Series 1	−15	1,647	$1,218,401
CTBI	Community Trust Bancorp Inc	−9	15,548	$1,153,972
VOO	VANGUARD 500 INDEX FUND	−2	900	$630,774
SCZ	iShares MSCI EAFE Small-Cap ETF	−1	8,446	$713,011
No positions match the current search.

New Positions

Positions the filer opened this quarter

2 positions

Ticker	Company	Shares	Value
MSFT	Microsoft Corp	500	$256,450
IBIT	iShares Bitcoin Trust ETF	4,536	$214,734
No positions match the current search.

Sold Out

Positions the filer fully exited

5 positions

Ticker	Company	Shares	Value
CRWD	CrowdStrike Holdings, Inc.	680	$518,935
AMZN	Amazon Com Inc	1,490	$355,126
MRVL	Marvell Technology, Inc.	960	$285,974
IBM	International Business Machines Corp	850	$239,028
MCO	Moodys Corp	475	$215,137
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

51 tracked positions · $122,841,249 total · filing declares 51 positions · $124,198,984 · as of Sep 30, 2026

All sectors Financial Services Healthcare Technology

Showing 1–50 of 51 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
IVV	iShares Core S&P 500 ETF	Reduced	39,585	-541	$30,316,172	+0.9%	24.68%
IWM	iShares Russell 2000 ETF	Added	47,647	+58	$13,240,624	−7.4%	10.78%
IEF	iShares 7-10 Year Treasury Bond ETF	Reduced	127,982	-594	$11,430,072	−6.0%	9.30%
ICF	iShares Select U.S. REIT ETF	Added	162,117	+1,195	$10,197,159	−6.3%	8.30%
IWV	iShares Russell 3000 ETF	Reduced	13,023	-755	$5,621,508	−4.3%	4.58%
IEFA	iShares Core MSCI EAFE ETF	Added	57,236	+1,223	$5,545,023	+2.5%	4.51%
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	Added	63,452	+1,367	$4,451,157	−2.3%	3.62%
IUSG	iShares Core S&P U.S. Growth ETF	Held	22,566	0	$4,372,162	+3.0%	3.56%
IEI	iShares 3-7 Year Treasury Bond ETF	Reduced	28,537	-643	$3,237,237	−5.5%	2.64%
EFA	iShares MSCI EAFE ETF	Reduced	29,540	-55	$3,068,910	−0.2%	2.50%
VEA	Vanguard FTSE Developed Markets ETF	Reduced	36,282	-359	$2,561,872	−1.9%	2.09%
APH	Amphenol Corp Technology	Added	25,202	+12,004	$2,124,528	−8.7%	1.73%
AAPL	Apple Inc. Technology	Reduced	5,721	-586	$1,905,207	+4.4%	1.55%
SHY	iShares 1-3 Year Treasury Bond ETF	Added	20,562	+39	$1,669,634	−0.9%	1.36%
SYK	Stryker Corp Healthcare	Held	5,490	0	$1,511,891	−12.5%	1.23%
VNQ	VANGUARD REAL ESTATE INDEX FUND	Added	16,720	+682	$1,498,613	−3.1%	1.22%
TIP	iShares TIPS Bond ETF	Added	13,598	+56	$1,414,735	−4.5%	1.15%
QQQ	Invesco Qqq Trust, Series 1	Reduced	1,647	-15	$1,218,401	−0.4%	0.99%
CTBI	Community Trust Bancorp Inc Financial Services	Reduced	15,548	-9	$1,153,972	+2.5%	0.94%
FRDM	Freedom 100 Emerging Markets ETF	Reduced	15,692	-193	$1,097,812	−5.2%	0.89%
IWF	iShares Russell 1000 Growth ETF	Added	8,109	+7	$1,015,733	+1.0%	0.83%
IWD	iShares Russell 1000 Value ETF	Added	3,892	+14	$964,943	+2.6%	0.79%
VNQI	VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX FUND	Added	22,559	+1	$959,208	−5.2%	0.78%
IUSV	iShares Core S&P U.S. Value ETF	Held	8,056	0	$888,415	+0.1%	0.72%
PFF	iShares Preferred and Income Securities ETF	Added	28,710	+256	$846,945	−2.4%	0.69%
AGG	iShares Core U.S. Aggregate Bond ETF	Reduced	8,820	-520	$833,842	−9.8%	0.68%
SCZ	iShares MSCI EAFE Small-Cap ETF	Reduced	8,446	-1	$713,011	+2.6%	0.58%
ITOT	iShares Core S&P Total U.S. Stock Market ETF	Added	4,144	+5	$689,064	+1.3%	0.56%
VOO	VANGUARD 500 INDEX FUND	Reduced	900	-2	$630,774	+1.8%	0.51%
VUSB	VANGUARD ULTRA-SHORT BOND ETF	Held	12,476	0	$618,185	−0.5%	0.50%
IJH	iShares Core S&P Mid-Cap ETF	Added	8,054	+10	$579,485	−6.6%	0.47%
FBND	Fidelity Total Bond ETF	Held	12,964	0	$561,341	−4.8%	0.46%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Added	1,263	+1	$472,665	+1.2%	0.38%
FNDF	Schwab Fundamental International Equity ETF	Held	7,866	0	$422,797	+1.9%	0.34%
IJR	iShares Core S&P Small-Cap ETF	Held	3,103	0	$422,132	−8.3%	0.34%
V	Visa Inc. Financial Services	Held	1,082	0	$388,795	+4.7%	0.32%
SCHA	Schwab U.S. Small-Cap ETF	Added	11,582	+35	$377,920	−9.4%	0.31%
NVDA	Nvidia Corp Technology	Held	1,650	0	$376,827	+14.1%	0.31%
VV	VANGUARD LARGE-CAP INDEX FUND	Added	1,059	+2	$372,609	+2.5%	0.30%
AVLV	Avantis U.S. Large Cap Value ETF	Added	3,803	+10	$343,943	−0.6%	0.28%
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	Added	5,584	+4	$331,187	−0.6%	0.27%
SCHX	Schwab U.S. Large-Cap ETF	Added	10,810	+29	$324,300	+2.2%	0.26%
IWO	iShares Russell 2000 Growth ETF	Held	814	0	$290,516	−9.4%	0.24%
SCHG	Schwab U.S. Large-Cap Growth ETF	Added	7,865	+8	$282,589	+6.3%	0.23%
EEM	iShares MSCI Emerging Markets ETF	Held	4,003	0	$267,360	−2.4%	0.22%
MSFT	Microsoft Corp Technology	NEW	500	NEW	$256,450	NEW	0.21%
SCHV	Schwab U.S. Large-Cap Value ETF	Added	7,667	+37	$255,387	−3.8%	0.21%
VIOO	VANGUARD S&P SMALL-CAP 600 INDEX FUND	Held	2,014	0	$254,811	−8.0%	0.21%
VXUS	Vanguard Total International Stock ETF	Held	2,926	0	$248,592	−0.6%	0.20%
IBIT	iShares Bitcoin Trust ETF	NEW	4,536	NEW	$214,734	NEW	0.17%

Showing the top 50 of 51 positions. Create a free account to see every position, past quarters, search, filters and CSV export.

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.