# EDGAR Filing Document

**Accession Number:** 0001766286
**File Stem:** 0001172661-23-000308
**Filing Date:** 2023-1
**Character Count:** 14765
**Document Hash:** 80d180888f14afe0e869f88303f1a996
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-23-000308.hdr.sgml**: 20230126

**ACCESSION NUMBER**: 0001172661-23-000308

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230126

**DATE AS OF CHANGE**: 20230126

**EFFECTIVENESS DATE**: 20230126

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HOWARD WEALTH MANAGEMENT, LLC
- **CENTRAL INDEX KEY:** 0001766286
- **IRS NUMBER:** 831718973
- **STATE OF INCORPORATION:** CT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19748
- **FILM NUMBER:** 23557666

**BUSINESS ADDRESS:**
- **STREET 1:** 7 MADISON AVENUE
- **CITY:** MADISON
- **STATE:** CT
- **ZIP:** 06443
- **BUSINESS PHONE:** 203-421-8339

**MAIL ADDRESS:**
- **STREET 1:** 7 MADISON AVENUE
- **CITY:** MADISON
- **STATE:** CT
- **ZIP:** 06443

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** HOWARD WEALTH MANAGEMENT LLC<br>**Address:** 7 Madison Avenue<br>Madison, CT 06443

**Form 13F File Number:** 028-19748

**CRD Number (if applicable):** 000299052

**SEC File Number (if applicable):** 801-114237

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Justin S. Howard<br>**Title:** Managing Member/CCO<br>**Phone:** 203-421-8339

**Signature, Place, and Date of Signing:**

/s/ 	Justin S. Howard  Madison, CT  01-26-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 111

**Form 13F Information Table Value Total:** $121914928

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | COM | 00287Y109 |  | 363299 | 2248 | SH |  | SOLE |  | 0 | 0 | 2248 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 617117 | 6955 | SH |  | SOLE |  | 0 | 0 | 6955 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 755778 | 8566 | SH |  | SOLE |  | 0 | 0 | 8566 |
| AMAZON COM INC | COM | 023135106 |  | 807156 | 9609 | SH |  | SOLE |  | 0 | 0 | 9609 |
| APPLE INC | COM | 037833100 |  | 4703596 | 36201 | SH |  | SOLE |  | 0 | 0 | 36201 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 323418 | 1047 | SH |  | SOLE |  | 0 | 0 | 1047 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 261754 | 3638 | SH |  | SOLE |  | 0 | 0 | 3638 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 217783 | 2285 | SH |  | SOLE |  | 0 | 0 | 2285 |
| DEERE  CO | COM | 244199105 |  | 214380 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| EATON VANCE LTD DURATION INC | COM | 27828H105 |  | 1035952 | 110325 | SH |  | SOLE |  | 0 | 0 | 110325 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 317443 | 2878 | SH |  | SOLE |  | 0 | 0 | 2878 |
| HOME DEPOT INC | COM | 437076102 |  | 364818 | 1155 | SH |  | SOLE |  | 0 | 0 | 1155 |
| INVESCO EXCH TRADED FD TR II | PFD ETF | 46138E511 |  | 2723809 | 243632 | SH |  | SOLE |  | 0 | 0 | 243632 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 2023259 | 98551 | SH |  | SOLE |  | 0 | 0 | 98551 |
| INVESCO EXCH TRADED FD TR II | EMRNG MKT SVRG | 46138E784 |  | 345367 | 18499 | SH |  | SOLE |  | 0 | 0 | 18499 |
| INVESCO EXCHANGE TRADED FD T | FINL PFD ETF | 46137V621 |  | 474552 | 32955 | SH |  | SOLE |  | 0 | 0 | 32955 |
| INVESCO EXCHANGE TRADED FD T | DYNMC LRG VALU | 46137V738 |  | 634604 | 13485 | SH |  | SOLE |  | 0 | 0 | 13485 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 592381 | 2225 | SH |  | SOLE |  | 0 | 0 | 2225 |
| ISHARES INC | JP MRGN EM HI BD | 464286285 |  | 228387 | 6530 | SH |  | SOLE |  | 0 | 0 | 6530 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 654888 | 13145 | SH |  | SOLE |  | 0 | 0 | 13145 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 253629 | 2615 | SH |  | SOLE |  | 0 | 0 | 2615 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1869950 | 4867 | SH |  | SOLE |  | 0 | 0 | 4867 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 210703 | 4211 | SH |  | SOLE |  | 0 | 0 | 4211 |
| ISHARES TR | US HOME CONS ETF | 464288752 |  | 272723 | 4500 | SH |  | SOLE |  | 0 | 0 | 4500 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 202453 | 1335 | SH |  | SOLE |  | 0 | 0 | 1335 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 965943 | 9075 | SH |  | SOLE |  | 0 | 0 | 9075 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 593038 | 11783 | SH |  | SOLE |  | 0 | 0 | 11783 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1361904 | 13600 | SH |  | SOLE |  | 0 | 0 | 13600 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 339361 | 4609 | SH |  | SOLE |  | 0 | 0 | 4609 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 801073 | 12507 | SH |  | SOLE |  | 0 | 0 | 12507 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 2244762 | 38372 | SH |  | SOLE |  | 0 | 0 | 38372 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 519702 | 4646 | SH |  | SOLE |  | 0 | 0 | 4646 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 3685197 | 120707 | SH |  | SOLE |  | 0 | 0 | 120707 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 407037 | 4301 | SH |  | SOLE |  | 0 | 0 | 4301 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 529739 | 2190 | SH |  | SOLE |  | 0 | 0 | 2190 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 290712 | 5530 | SH |  | SOLE |  | 0 | 0 | 5530 |
| ISHARES TR | GRWT ALLOCAT ETF | 464289867 |  | 253108 | 5367 | SH |  | SOLE |  | 0 | 0 | 5367 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 406413 | 1897 | SH |  | SOLE |  | 0 | 0 | 1897 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 205744 | 1706 | SH |  | SOLE |  | 0 | 0 | 1706 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 439394 | 6694 | SH |  | SOLE |  | 0 | 0 | 6694 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 866492 | 4970 | SH |  | SOLE |  | 0 | 0 | 4970 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 232625 | 1105 | SH |  | SOLE |  | 0 | 0 | 1105 |
| ISHARES U S ETF TR | INT RT HDG C B | 46431W705 |  | 248848 | 2750 | SH |  | SOLE |  | 0 | 0 | 2750 |
| ISHARES U S ETF TR | BLACKROCK ST MAT | 46431W507 |  | 253892 | 5153 | SH |  | SOLE |  | 0 | 0 | 5153 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 2471122 | 49294 | SH |  | SOLE |  | 0 | 0 | 49294 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 672330 | 3806 | SH |  | SOLE |  | 0 | 0 | 3806 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 400557 | 2987 | SH |  | SOLE |  | 0 | 0 | 2987 |
| JPMORGAN CHASE  CO | ALERIAN ML ETN | 46625H365 |  | 325815 | 14980 | SH |  | SOLE |  | 0 | 0 | 14980 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 320110 | 658 | SH |  | SOLE |  | 0 | 0 | 658 |
| M  T BK CORP | COM | 55261F104 |  | 357283 | 2463 | SH |  | SOLE |  | 0 | 0 | 2463 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 693721 | 1995 | SH |  | SOLE |  | 0 | 0 | 1995 |
| MERCK  CO INC | COM | 58933Y105 |  | 476086 | 4291 | SH |  | SOLE |  | 0 | 0 | 4291 |
| META PLATFORMS INC | CL A | 30303M102 |  | 233339 | 1939 | SH |  | SOLE |  | 0 | 0 | 1939 |
| MICROSOFT CORP | COM | 594918104 |  | 825460 | 3442 | SH |  | SOLE |  | 0 | 0 | 3442 |
| NETFLIX INC | COM | 64110L106 |  | 228827 | 776 | SH |  | SOLE |  | 0 | 0 | 776 |
| NUVEEN MUN VALUE FD INC | COM | 670928100 |  | 590003 | 68605 | SH |  | SOLE |  | 0 | 0 | 68605 |
| NUVEEN S 500 BUY-WRITE INC | COM | 6706ER101 |  | 478758 | 37846 | SH |  | SOLE |  | 0 | 0 | 37846 |
| NUVEEN S 500 DYNAMIC OVERW | COM | 6706EW100 |  | 4816471 | 298789 | SH |  | SOLE |  | 0 | 0 | 298789 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 266802 | 41558 | SH |  | SOLE |  | 0 | 0 | 41558 |
| PEPSICO INC | COM | 713448108 |  | 234858 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| PFIZER INC | COM | 717081103 |  | 579934 | 11318 | SH |  | SOLE |  | 0 | 0 | 11318 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 2689594 | 27264 | SH |  | SOLE |  | 0 | 0 | 27264 |
| PIMCO ETF TR | 0-5 HIGH YIELD | 72201R783 |  | 532689 | 5968 | SH |  | SOLE |  | 0 | 0 | 5968 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 214003 | 1412 | SH |  | SOLE |  | 0 | 0 | 1412 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 |  | 262527 | 2917 | SH |  | SOLE |  | 0 | 0 | 2917 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 412899 | 6739 | SH |  | SOLE |  | 0 | 0 | 6739 |
| PUTNAM PREMIER INCOME TR | SH BEN INT | 746853100 |  | 818710 | 225540 | SH |  | SOLE |  | 0 | 0 | 225540 |
| SEMPRA | COM | 816851109 |  | 200902 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 563924 | 1702 | SH |  | SOLE |  | 0 | 0 | 1702 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 826391 | 27834 | SH |  | SOLE |  | 0 | 0 | 27834 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2516007 | 6579 | SH |  | SOLE |  | 0 | 0 | 6579 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 |  | 213759 | 4550 | SH |  | SOLE |  | 0 | 0 | 4550 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 345832 | 7313 | SH |  | SOLE |  | 0 | 0 | 7313 |
| SPDR SER TR | BLOOMBERG SHT TE | 78468R408 |  | 1120373 | 46220 | SH |  | SOLE |  | 0 | 0 | 46220 |
| SPDR SER TR | BBG CONV SEC ETF | 78464A359 |  | 1641305 | 25510 | SH |  | SOLE |  | 0 | 0 | 25510 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 930249 | 23920 | SH |  | SOLE |  | 0 | 0 | 23920 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 1315782 | 10517 | SH |  | SOLE |  | 0 | 0 | 10517 |
| SSGA ACTIVE ETF TR | BLACKSTONE SENR | 78467V608 |  | 1495100 | 36555 | SH |  | SOLE |  | 0 | 0 | 36555 |
| TESLA INC | COM | 88160R101 |  | 555419 | 4509 | SH |  | SOLE |  | 0 | 0 | 4509 |
| TEXAS INSTRS INC | COM | 882508104 |  | 211482 | 1280 | SH |  | SOLE |  | 0 | 0 | 1280 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 349389 | 659 | SH |  | SOLE |  | 0 | 0 | 659 |
| VANECK ETF TRUST | BIOTECH ETF | 92189F726 |  | 223317 | 1398 | SH |  | SOLE |  | 0 | 0 | 1398 |
| VANECK ETF TRUST | IG FLOATING RATE | 92189F486 |  | 349315 | 14040 | SH |  | SOLE |  | 0 | 0 | 14040 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1233967 | 17177 | SH |  | SOLE |  | 0 | 0 | 17177 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 6120141 | 33345 | SH |  | SOLE |  | 0 | 0 | 33345 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 7505947 | 35221 | SH |  | SOLE |  | 0 | 0 | 35221 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1543862 | 8075 | SH |  | SOLE |  | 0 | 0 | 8075 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 1143792 | 8609 | SH |  | SOLE |  | 0 | 0 | 8609 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2213916 | 15772 | SH |  | SOLE |  | 0 | 0 | 15772 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 1136132 | 6522 | SH |  | SOLE |  | 0 | 0 | 6522 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 315090 | 1546 | SH |  | SOLE |  | 0 | 0 | 1546 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1533599 | 4365 | SH |  | SOLE |  | 0 | 0 | 4365 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1250191 | 15158 | SH |  | SOLE |  | 0 | 0 | 15158 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 1573544 | 31383 | SH |  | SOLE |  | 0 | 0 | 31383 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 3166000 | 36733 | SH |  | SOLE |  | 0 | 0 | 36733 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1170296 | 25055 | SH |  | SOLE |  | 0 | 0 | 25055 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 586363 | 7565 | SH |  | SOLE |  | 0 | 0 | 7565 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1105655 | 14705 | SH |  | SOLE |  | 0 | 0 | 14705 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 4736162 | 31190 | SH |  | SOLE |  | 0 | 0 | 31190 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1454418 | 28121 | SH |  | SOLE |  | 0 | 0 | 28121 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 10675332 | 98654 | SH |  | SOLE |  | 0 | 0 | 98654 |
| VANGUARD WORLD FDS | FINANCIALS ETF | 92204A405 |  | 443350 | 5359 | SH |  | SOLE |  | 0 | 0 | 5359 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 1330333 | 5363 | SH |  | SOLE |  | 0 | 0 | 5363 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 257764 | 807 | SH |  | SOLE |  | 0 | 0 | 807 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 295342 | 7496 | SH |  | SOLE |  | 0 | 0 | 7496 |
| VISA INC | COM CL A | 92826C839 |  | 834987 | 4019 | SH |  | SOLE |  | 0 | 0 | 4019 |
| WD 40 CO | COM | 929236107 |  | 217634 | 1350 | SH |  | SOLE |  | 0 | 0 | 1350 |
| WISDOMTREE TR | US SMALLCAP FUND | 97717W562 |  | 873734 | 20515 | SH |  | SOLE |  | 0 | 0 | 20515 |
| WISDOMTREE TR | GLB US QTLY DIV | 97717W844 |  | 1048344 | 32532 | SH |  | SOLE |  | 0 | 0 | 32532 |
| WISDOMTREE TR | INTL EQUITY FD | 97717W703 |  | 218736 | 4650 | SH |  | SOLE |  | 0 | 0 | 4650 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 1055670 | 21000 | SH |  | SOLE |  | 0 | 0 | 21000 |

---