DFX Intelligence
RIA Intelligence
Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.
SEC-registered adviser
William Howard & Co. Financial Advisors, Inc.
Latest filing Mar 10, 2026
First filing on the tape Mar 29, 2012 · 34 filings
SEC status approved since Jan 28, 1988
RAUM
$342M
reported, Item 5.F
Discretionary
95%
of RAUM
Private clients
100%
$341M individuals and HNW
Advisors
4
registered through the firm on IAPD
RAUM per advisor
$85.5M
derived; firm RAUM over IAPD count
Employees
10
4 advisory (5.B.1)
Offices
0
beyond the principal office
Private funds
0
reported on Schedule D
History
34 filings and snapshots on the tape
RAUM$342M as of Mar 10, 2026
Mar 29, 2012$126M then
HNW client RAUM$308M as of Mar 10, 2026
Mar 27, 2018$186M then
State-registered IARs (5.B.3)4 as of Mar 10, 2026
Mar 29, 20120 then
Employees (5.A)10 as of Mar 10, 2026
Mar 18, 20136 then
Private funds: no history
RAUM +6.7% over the last fiscal year+16% a year over threeIARs 4 to 4
Practice profile
derived from the filing of Mar 10, 2026; every figure names its basis
Archetypes, each a printed rule
- Independent boutique · a wealth manager with no broker-dealer, bank or insurance affiliate, 2 to 25 advisors, one to three offices, no public reporting company control
- RAUM per advisor
- $85.5MderivedRAUM over IAPD advisors; not a book size
- Clients per advisor
- 42derivedindividual and HNW clients (5.D) over advisors
- Average HNW client
- $4.2MderivedHNW RAUM over HNW clients
- Average account
- $629,929derivedRAUM over accounts (5.F.2.f)
- Discretionary
- 95%derivedof RAUM
- Institutional
- 0.2%derivedpensions, charities, corporations, government, insurance, banks, other advisers
- Employees per advisor
- 2.5derivedItem 5.A over advisors
- Advisors per office
- 4.0derived1 offices incl. principal (1.F.5)
- RAUM growth, one year
- +6.7%derivedbetween the last two annual amendments
- Advisor growth, one year
- +0.0%derivedItem 5.B.3 between annual amendments
- Client growth, one year
- -3.5%derived
- Compensation
- percentage of assets, hourly, fixed feesreportedItem 5.E
- Advisory activities
- financial planning, portfolio management for individuals, portfolio management for businesses and institutions, educational seminarsreportedItem 5.G
- Custody
- $2.3M, 53 clientsreportedItem 9.A
- Ownership
- no PE, bank or public-company owner found on Schedule Aderived
- Advisor book size
- not public; not estimatedreported
Also answered yes on Form ADV
- buys or sells securities as principal to or from clients (8.A.2)
- has discretionary authority over which securities are bought or sold (8.C.1)
- receives research or other products from a broker-dealer, soft dollars (8.E)
- has custody of client cash or bank accounts (9.A.1.a)
- has custody of client securities (9.A.1.b)
- a related person has custody of client cash (9.B.1.a)
- a related person has custody of client securities (9.B.1.b)
Where the RAUM sits
Form ADV Item 5.D, latest filing
- High-net-worth individuals$308M90%
- Individuals$33.6M9.8%
- Pension and profit-sharing plans$773,1630.2%
- Individual clients
- 94reported
- HNW clients
- 73reported
- Pension plan clients
- 9reported
- Charitable clients
- n/areported
- Accounts
- 543reported
- Financial planning clients
- 26-50reported
- Wrap fee programs
- noreported
- Custody of client assets
- $2.3M for 53 clientsreported
- Compensation
- % of AUM, fixed, hourlyreported
- Class basis
- private_client_share=1.0 fund_share=0.0 institutional_share=0.0 related_bd=false related_bank=false bd_reps=0.0derived
Advisors registered through the firm
4 on IAPD today, longest tenure first
| Name | Branch | Here since | In industry | Prior firms |
|---|---|---|---|---|
| William Barker HowardCertified Financial Planner, Chartered Financial Consultant | Memphis, Tn | Sep 8, 1995 | 39 y | 0 |
| Brian Damon BartholCertified Financial Planner | Memphis, Tn | Jul 16, 2021 | 28 y | 0 |
| Heather Marie CoulterCertified Financial Planner | Memphis, Tn | Jan 3, 2023 | 26 y | 2 |
| Valerie Jeanne Lasher-AdelmanCertified Financial Planner | Boca Raton, Fl | Jul 19, 2023 | 41 y | 1 |
Advisor movement
0 left, 0 joined in 12 months
net 0 in 12 months0 left in 90 days0 joined in 90 daysdeparture rate 0.0% of current headcount0 left over 36 months
Left, latest
none on the tape
Joined, latest
- Valerie Jeanne Lasher-Adelman from Financial Asset Management CorpJul 19, 2023 · RIA to RIA
- Heather Marie Coulter from CoyleJan 3, 2023 · RIA to RIA
Private funds
No private fund reported.
Owners and control persons
Schedule A and B, latest filing
- Michael James Cullen · Chief Compliance Officercontrolsince 05/2021 · owns less than 5%
- Barker William Howard · Ceo/Presidentcontrolsince 05/1987 · owns 75% or more
- Edmond Randal Ellzey · Vice President - Secretary/Treasurersince 01/2004 · owns less than 5%
Related persons
Schedule D 7.A
No related person reported.
Office movement
IAPD branch city; joins and departures in 12 months
| Office | Advisors | Joined | Left | Teams out | Forming |
|---|---|---|---|---|---|
| Memphis, Tn · principal | 4 | 0 | 0 |
Offices
Schedule D 1.F, the 25 largest
No branch office listed.
What changed
consecutive filings, newest first
- Accounts · 557 to 543Feb 22, 2025 to Mar 10, 2026
- HNW clients · 69 to 73Feb 22, 2025 to Mar 10, 2026
- Individual clients · 104 to 94Feb 22, 2025 to Mar 10, 2026
- Assets in custody · $2.9M to $2.3MFeb 22, 2025 to Mar 10, 2026
- Discretionary RAUM · $304M to $326MFeb 22, 2025 to Mar 10, 2026
- HNW RAUM · $281M to $308MFeb 22, 2025 to Mar 10, 2026
- Individual RAUM · $39.0M to $33.6MFeb 22, 2025 to Mar 10, 2026
- Non-discretionary RAUM · $16.9M to $16.5MFeb 22, 2025 to Mar 10, 2026
- Pension RAUM · $579,786 to $773,163Feb 22, 2025 to Mar 10, 2026
- RAUM · $321M to $342MFeb 22, 2025 to Mar 10, 2026
- Accounts · 522 to 557Mar 4, 2024 to Feb 22, 2025
- HNW clients · 67 to 69Mar 4, 2024 to Feb 22, 2025
- Individual clients · 101 to 104Mar 4, 2024 to Feb 22, 2025
- Pension plan clients · 7 to 9Mar 4, 2024 to Feb 22, 2025
- Assets in custody · $2.7M to $2.9MMar 4, 2024 to Feb 22, 2025
- Employees · 7 to 10Mar 4, 2024 to Feb 22, 2025
- Financial planning clients · 11-25 to 26-50Mar 4, 2024 to Feb 22, 2025
- Discretionary RAUM · $276M to $304MMar 4, 2024 to Feb 22, 2025
- HNW RAUM · $254M to $281MMar 4, 2024 to Feb 22, 2025
- Individual RAUM · $35.4M to $39.0MMar 4, 2024 to Feb 22, 2025
- Non-discretionary RAUM · $14.4M to $16.9MMar 4, 2024 to Feb 22, 2025
- Pension RAUM · $912,539 to $579,786Mar 4, 2024 to Feb 22, 2025
- RAUM · $290M to $321MMar 4, 2024 to Feb 22, 2025
- Accounts · 408 to 522Jul 19, 2023 to Mar 4, 2024
- HNW clients · 55 to 67Jul 19, 2023 to Mar 4, 2024
- Individual clients · 99 to 101Jul 19, 2023 to Mar 4, 2024
- Pension plan clients · 5 to 7Jul 19, 2023 to Mar 4, 2024
- Assets in custody · $2.3M to $2.7MJul 19, 2023 to Mar 4, 2024
- Discretionary RAUM · $210M to $276MJul 19, 2023 to Mar 4, 2024
- HNW RAUM · $203M to $254MJul 19, 2023 to Mar 4, 2024
- Individual RAUM · $18.2M to $35.4MJul 19, 2023 to Mar 4, 2024
- Non-discretionary RAUM · $11.8M to $14.4MJul 19, 2023 to Mar 4, 2024
- Pension RAUM · $733,539 to $912,539Jul 19, 2023 to Mar 4, 2024
- RAUM · $222M to $290MJul 19, 2023 to Mar 4, 2024
- State-registered IARs · 2 to 4Mar 13, 2023 to Jul 19, 2023
- Accounts · 390 to 408Aug 18, 2022 to Mar 13, 2023
- Business name · WILLIAM HOWARD & CO FINANCIAL ADVISORS, INC. to WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.Aug 18, 2022 to Mar 13, 2023
- HNW clients · 59 to 55Aug 18, 2022 to Mar 13, 2023
- Individual clients · 66 to 99Aug 18, 2022 to Mar 13, 2023
- Pension plan clients · unset to 5.0Aug 18, 2022 to Mar 13, 2023
Signals
3 dated events
- David Christopher Pack (Chief Compliance Officer) no longer on Schedule A of William Howard & Co. Financial Advisors, Inc. (listed 2021-09-08, absent 2022-03-16)Mar 16, 2022 · Control person left · inference
- Michael James Cullen (Chief Compliance Officer) appeared on Schedule A of William Howard & Co. Financial Advisors, Inc.Mar 16, 2022 · Control person joined · fact
- David Christopher Pack (Chief Compliance Officer) appeared on Schedule A of William Howard & Co. Financial Advisors, Inc.Jul 15, 2019 · Control person joined · fact
Across DFX
shared identifiers only, never a name match
No identifier-backed link to the venture, private equity, family office or sponsor graphs.
How to reach
public business contact points only, each with its source
- Business email
- whc@whcfa.comreportedpublished by the firm, firm site, Sep 15, 2026
- Business phone
- 901-761-2217reportedpublished by the firm, firm site, Sep 15, 2026
- Business phone
- 901-761-5068reportedpublished by the firm, firm site, Sep 15, 2026
- Website
- WHCFA.COMreportedpublic record, Form ADV, Sep 18, 2026
- Principal office phone
- 901-761-5068reportedpublic record, Form ADV, Mar 10, 2026
- Contact form
- whcfa.com/contactreportedpublished by the firm, firm site, Sep 15, 2026
Provenance
- Form ADV
- SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
- Advisors
- IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
- Class
- Independent wealth managerderiveda rule over Items 5.D and 7.A
- RAUM per advisor
- $85.5Mderivedfirm RAUM over the IAPD count; not a book size
- Loaded
- Sep 14, 2026