Business Details
42 Years
experience
Your Trusted Partner for Financial Advisory Solutions
William Howard & Co. & Co. has been dedicated to providing personalized financial strategies since 1984. Our firm specializes in comprehensive financial planning and investment advisory services tailored to individuals, professionals, business owners, and retirees. With a client-centric approach, we prioritize prudence, objectivity, and long-term relationships. Our team of experienced professionals holds advanced certifications, including CFP and ChFC, ensuring expertise in retirement planning, tax strategies, and estate management. We operate as a fee-only advisory firm, free from commissions or affiliations, to maintain unbiased guidance.Over four decades, we've built enduring relationships grounded in trust, integrity, and a shared vision for financial success. Our services span risk management, education planning, and wealth preservation, adapting to clients' evolving needs. We emphasize transparency through clear fee structures and holistic wealth management approaches. Our process includes initial consultations, customized plan development, implementation support, and ongoing monitoring. As an SEC-registered investment adviser, we uphold rigorous professional standards while delivering tailored solutions for financial security.
Services
Financial Advisory
Investment Advisory
Retirement Planning
Tax Planning
Estate Planning
Details
- Year established: 1984
Highlights and features
- We offer 40 years of experience in personalized financial planning and investment advisory services.
- Our fee-only structure ensures unbiased, commission-free financial guidance.
- We provide tailored strategies for retirement, tax optimization, and estate planning.
- Our team includes certified professionals with CFP, ChFC, and CDFA designations.
- We maintain fiduciary responsibility through transparent fee structures and client-centric planning.
Services
Financial Advisory Services
Our financial advisory services create customized strategies for retirement, education, and risk management. We develop comprehensive plans aligned with individual goals, using a holistic approach that considers tax implications, investment needs, and estate planning. Clients benefit from ongoing monitoring and adjustments to ensure long-term financial security.
Investment Advisory Services
We offer tailored investment advisory services based on Modern Portfolio Theory principles. Our strategies focus on diversified asset allocation to match clients' risk tolerance and financial objectives. Through regular performance reviews and quarterly reports, we maintain transparent communication while adapting portfolios to changing market conditions and personal circumstances.
Retirement Planning
Our retirement planning service designs personalized pathways to financial independence. We optimize savings strategies, income distribution plans, and tax-efficient withdrawal methods. By evaluating current financial status against future goals, we create actionable roadmaps that evolve with clients' changing needs throughout their careers and into retirement.
Tax Planning
We provide strategic tax planning services to minimize liabilities while maximizing wealth preservation. Our approach includes analyzing income tax implications, developing gifting strategies, and coordinating with clients' accounting professionals. We focus on long-term tax efficiency within comprehensive financial plans to enhance overall investment returns.
Estate Planning
Our estate planning service ensures legacy preservation through coordinated wealth transfer strategies. We help clients establish trusts, develop gifting plans, and create legal documentation that aligns with their values. By integrating tax considerations and family objectives, we facilitate smooth asset transitions while maintaining compliance with evolving regulations.
People
William B. Howard, Jr.
President
With advanced certifications including CFP and ChFC, William leads our firm's strategic direction while maintaining active client relationships. His expertise spans comprehensive financial planning and investment advisory services.
Heather M. Coulter
Financial Advisor
As a CFP professional, Heather specializes in creating personalized financial plans that address clients' unique goals across different life stages and financial situations.
Valerie Adelman
Financial Advisor
Valerie combines her CFP and CDFA credentials to help clients navigate financial transitions, particularly during divorce proceedings and retirement planning scenarios.
Brian D. Barthol
Financial Analyst
Brian supports client services with analytical expertise, focusing on investment research, portfolio monitoring, and financial modeling to enhance our advisory process.
Judy B. Carmichael
Client Services Specialist
Judy coordinates client interactions and administrative processes, ensuring smooth implementation of financial plans while maintaining exceptional service standards.
Questions
What financial services do you specialize in?
We specialize in retirement planning, investment advisory, tax optimization, estate planning, and risk management strategies tailored to individual client needs.
Are you a fee-only financial advisor?
Yes, we operate as a fee-only advisory firm with no commissions or product affiliations to ensure unbiased financial guidance.
How do you personalize financial plans?
We conduct detailed assessments of clients' financial situations, goals, and risk tolerance to create customized strategies that evolve with their changing needs.
What credentials do your advisors hold?
Our team includes Certified Financial Planners (CFP®), Chartered Financial Consultants (ChFC®), and Certified Divorce Financial Analysts (CDFA®).
How often do you review investment portfolios?
We provide quarterly performance reports and regular reviews, with additional monitoring during significant market changes or personal circumstances.
Do you work with out-of-state clients?
Yes, we serve clients across the United States through virtual consultations and digital client portal access.
Reviews (1)
Rbrt Sgl
May 26, 2021
Report
I highly recommend William Howard and Company. My wife and I have worked with them for many years and have been very pleased. They are not flashy, but use thoughtful time-tested financial investment principles to achieve their targeted outcome. They're very accessible and transparent./ Robbie & Sally Segal
