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William Howard & Co Financial Advisors Inc — 13F Holdings & Portfolio

CIK 2023493 · latest 13F-HR filed 2026-11-04

Backtest portfolio

William Howard & Co Financial Advisors Inc manages $124.2M in 13F-reported U.S. long-equity assets across 51 reported positions as of its 2026-09-30 13F-HR filing. Its largest disclosed positions are IVV (24.41%), IWM (10.66%), IEF (9.20%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 2 new positions and exited 5; 2 existing positions rose in reported value and 14 fell.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

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AUM
$124.2M

Long-equity book

Holdings
51

Distinct positions

Period
2026-09-30

Filed 2026-11-04

Q/Q Activity
+2 / −5 / ↑2 / ↓14

vs 2026-06-30

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q3 26
IVV24.4% · -1%IWM10.7% · +0%IEF9.2% · -0%ICF8.2% · +1%IWV4.5% · -6%IEFA4.5% · +2%BND3.6% · +2%IUSG3.5% · 0%IEI2.6% · -2%EFA2.5% · -0%VEA2.1% · -1%APH1.7% · +91%AAPL1.5% · -9%SHY1.3% · +0%SYK1.2% · 0%VNQ1.2% · +4%TIP1.1% · +0%IEMG1.1% · +3%QQQ1.0% · -1%CTBI0.9% · -0%FRDM0.9% · -1%IWF0.8% · +0%IWD0.8% · +0%VNQI0.8% · 0%IUSV0.7% · 0%PFF0.7% · +1%AGG0.7% · -6%SCZ0.6% · -0%ITOT0.6% · +0%VOO0.5% · -0%VUSB0.5% · 0%IJH0.5% · +0%FBND0.5% · 0%VTI0.4% · +0%FNDF0.3% · 0%IJR0.3% · 0%V0.3% · 0%SCHA0.3% · +0%NVDA0.3% · 0%VV0.3% · +0%AVLV0.3% · +0%VWO0.3% · +0%SCHX0.3% · +0%IWO0.2% · 0%SCHG0.2% · +0%EEM0.2% · 0%MSFT0.2% · newSCHV0.2% · +0%VIOO0.2% · 0%VXUS0.2% · 0%IBIT0.2% · new

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q2 26 → Q3 26

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

4 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 73.7%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

As of the firm’s regulatory filing dated Mar 10, 2026.

Assets Under Management
$342.1M
Discretionary
$325.5M
Employees
10
Accounts
543
Address
6410 POPLAR AVE
SUITE 330
MEMPHIS, TN 38119-4839
Phone
(901) 761-5068
Website
This firm reports 1 disclosure item on its registration.
Name Title / Status Ownership Type
CULLEN, JAMES, MICHAEL ControlCHIEF COMPLIANCE OFFICER
since May 2021
Less than 5%Individual
HOWARD, WILLIAM, BARKER ControlCEO/PRESIDENT
since May 1987
75% or moreIndividual
ELLZEY, RANDAL, EDMONDVICE PRESIDENT - SECRETARY/TREASURER
since Jan 2004
Less than 5%Individual
Ownership & leadership changes · 5 filings with changes since Mar 29, 2012

From the firm’s regulatory filings, newest first. Dates are filing dates: a filing that no longer lists someone does not say when they left.

Mar 13, 2023 filing
  • No longer listedESTATE, ELNORA FUGGITT · DECEASED SHAREHOLDER · 10–25% · listed since Jan 2014
Mar 16, 2022 filing
  • No longer listedPack, Christopher, David · CHIEF COMPLIANCE OFFICER · Less than 5% · control person · listed since Jul 2019
  • AddedCULLEN, JAMES, MICHAEL · CHIEF COMPLIANCE OFFICER · Less than 5% · control person
Jul 15, 2019 filing
  • No longer listedOWENS, SANDRA, MITCHELL · CHIEF COMPLIANCE OFFICER · Less than 5% · listed since Oct 2004
  • AddedPack, Christopher, David · CHIEF COMPLIANCE OFFICER · Less than 5% · control person
Apr 9, 2015 filing
  • No longer listedESTATE OF ELNORA W FUGITT · SHAREHOLDER · 10–25% · listed since Dec 2014
  • AddedESTATE, ELNORA FUGGITT · DECEASED SHAREHOLDER · 10–25%
Dec 19, 2014 filing
  • No longer listedFUGITT, ELNORA, WALTER · SHAREHOLDER · 10–25% · listed since May 1987
  • AddedESTATE OF ELNORA W FUGITT · SHAREHOLDER · 10–25%
Mar 29, 2012 filing (earliest on record)
  • ListedELLZEY, RANDAL, EDMOND · VICE PRESIDENT - SECRETARY/TREASURER · Less than 5%
  • ListedFUGITT, ELNORA, WALTER · SHAREHOLDER · 10–25%
  • ListedHOWARD, WILLIAM, BARKER · CEO/PRESIDENT · 75% or more · control person
  • ListedOWENS, SANDRA, MITCHELL · CHIEF COMPLIANCE OFFICER · Less than 5%

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

Top Adds (vs prior quarter)

Show all 2 →

Top Trims

Show all 14 →

New Positions

Show all 2 →

Exited Positions

Show all 5 →

William Howard & Co Financial Advisors Inc Holdings (2026-09-30)

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 ISHARES TR IVV 464287200 $30.3M 24.41% 39,585 SH
2 ISHARES TR IWM 464287655 $13.2M 10.66% 47,647 SH
3 ISHARES TR IEF 464287440 $11.4M 9.20% 127,982 SH
4 ISHARES TR ICF 464287564 $10.2M 8.21% 162,117 SH
5 ISHARES TR IWV 464287689 $5.6M 4.53% 13,023 SH
6 ISHARES TR IEFA 46432F842 $5.5M 4.46% 57,236 SH
7 VANGUARD BD INDEX FDS BND 921937835 $4.5M 3.58% 63,452 SH
8 ISHARES TR IUSG 464287671 $4.4M 3.52% 22,566 SH
9 ISHARES TR IEI 464288661 $3.2M 2.61% 28,537 SH
10 ISHARES TR EFA 464287465 $3.1M 2.47% 29,540 SH
11 VANGUARD TAX-MANAGED FDS VEA 921943858 $2.6M 2.06% 36,282 SH
12 AMPHENOL CORP APH 032095101 $2.1M 1.71% 25,202 SH
13 APPLE INC AAPL 037833100 $1.9M 1.53% 5,721 SH
14 ISHARES TR SHY 464287457 $1.7M 1.34% 20,562 SH
15 STRYKER CORPORATION SYK 863667101 $1.5M 1.22% 5,490 SH
16 VANGUARD INDEX FDS VNQ 922908553 $1.5M 1.21% 16,720 SH
17 ISHARES TR TIP 464287176 $1.4M 1.14% 13,598 SH
18 ISHARES INC IEMG 46434G103 $1.4M 1.09% 16,728 SH
19 INVESCO QQQ TR QQQ 46090E103 $1.2M 0.98% 1,647 SH
20 COMMUNITY TR BANCORP INC CTBI 204149108 $1.2M 0.93% 15,548 SH
21 EA SERIES TRUST FRDM 02072L607 $1.1M 0.88% 15,692 SH
22 ISHARES TR IWF 464287614 $1.0M 0.82% 8,109 SH
23 ISHARES TR IWD 464287598 $964.9K 0.78% 3,892 SH
24 VANGUARD INTL EQUITY INDEX F VNQI 922042676 $959.2K 0.77% 22,559 SH
25 ISHARES TR IUSV 464287663 $888.4K 0.72% 8,056 SH
26 ISHARES TR PFF 464288687 $847.0K 0.68% 28,710 SH
27 ISHARES TR AGG 464287226 $833.8K 0.67% 8,820 SH
28 ISHARES TR SCZ 464288273 $713.0K 0.57% 8,446 SH
29 ISHARES TR ITOT 464287150 $689.0K 0.55% 4,144 SH
30 VANGUARD INDEX FDS VOO 922908363 $630.8K 0.51% 900 SH
31 VANGUARD BD INDEX FDS VUSB 92203C303 $618.2K 0.50% 12,476 SH
32 ISHARES TR IJH 464287507 $579.5K 0.47% 8,054 SH
33 FIDELITY MERRIMACK STR TR FBND 316188309 $561.3K 0.45% 12,964 SH
34 VANGUARD INDEX FDS VTI 922908769 $472.5K 0.38% 1,263 SH
35 SCHWAB STRATEGIC TR FNDF 808524755 $422.8K 0.34% 7,866 SH
36 ISHARES TR IJR 464287804 $422.2K 0.34% 3,103 SH
37 VISA INC V 92826C839 $388.8K 0.31% 1,082 SH
38 SCHWAB STRATEGIC TR SCHA 808524607 $377.9K 0.30% 11,582 SH
39 NVIDIA CORPORATION NVDA 67066G104 $376.8K 0.30% 1,650 SH
40 VANGUARD INDEX FDS VV 922908637 $372.8K 0.30% 1,059 SH
41 AMERICAN CENTY ETF TR AVLV 025072349 $343.9K 0.28% 3,803 SH
42 VANGUARD INTL EQUITY INDEX F VWO 922042858 $331.2K 0.27% 5,584 SH
43 SCHWAB STRATEGIC TR SCHX 808524201 $324.3K 0.26% 10,810 SH
44 ISHARES TR IWO 464287648 $290.5K 0.23% 814 SH
45 SCHWAB STRATEGIC TR SCHG 808524300 $282.6K 0.23% 7,865 SH
46 ISHARES TR EEM 464287234 $267.4K 0.22% 4,003 SH
47 MICROSOFT CORP MSFT 594918104 $256.4K 0.21% 500 SH
48 SCHWAB STRATEGIC TR SCHV 808524409 $255.4K 0.21% 7,667 SH
49 VANGUARD ADMIRAL FDS INC VIOO 921932828 $254.8K 0.21% 2,014 SH
50 VANGUARD STAR FDS VXUS 921909768 $248.6K 0.20% 2,926 SH
Filing History
Period Filed AUM Holdings Accession
2026-09-30 2026-11-04 $124.2M 51 0002063364-26-000380
2026-06-30 2026-07-09 $128.6M 54 0002063364-26-000188
2026-03-31 2026-04-30 $115.8M 54 0002063364-26-000138
2025-12-31 2026-01-21 $118.6M 57 0002063364-26-000012
Filer Information
Address
6410 POPLAR AVENUE
SUITE 330
MEMPHIS, TN 38119
Phone
(901) 761-5038
Filing Manager
William Howard & Co Financial Advisors Inc
MEMPHIS, TN
Signatory
Jim Cullen
Chief Compliance Officer