# EDGAR Filing Document

**Accession Number:** 0002023493
**File Stem:** 0002063364-25-000115
**Filing Date:** 2025-7
**Character Count:** 9416
**Document Hash:** f27282e93c2173ec29149cac29d310a0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002063364-25-000115.hdr.sgml**: 20250711

**ACCESSION NUMBER**: 0002063364-25-000115

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250711

**DATE AS OF CHANGE**: 20250711

**EFFECTIVENESS DATE**: 20250711

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** William Howard & Co Financial Advisors Inc
- **CENTRAL INDEX KEY:** 0002023493

**ORGANIZATION NAME:**
- **EIN:** 621319807
- **STATE OF INCORPORATION:** TN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24156
- **FILM NUMBER:** 251118187

**BUSINESS ADDRESS:**
- **STREET 1:** 6410 POPLAR AVENUE
- **STREET 2:** SUITE 330
- **CITY:** MEMPHIS
- **STATE:** TN
- **ZIP:** 38119
- **BUSINESS PHONE:** 901-761-5038

**MAIL ADDRESS:**
- **STREET 1:** 6410 POPLAR AVENUE
- **STREET 2:** SUITE 330
- **CITY:** MEMPHIS
- **STATE:** TN
- **ZIP:** 38119

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** William Howard  Co Financial Advisors Inc<br>**Address:** 6410 POPLAR AVENUE<br>SUITE 330<br>MEMPHIS, TN 38119

**Form 13F File Number:** 028-24156

**CRD Number (if applicable):** 000105959

**SEC File Number (if applicable):** 801-31084

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:** Jim Cullen<br>**Title:** Chief Compliance Officer<br>**Phone:** 401-466-6010

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

Jim Cullen  East Providence, RI  07-11-2025<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:** 56

**Form 13F Information Table Value Total:** $114612088

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 397754 | 1813 | SH |  | SOLE | 0 | 0 | 0 | 397 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 255605 | 3747 | SH |  | SOLE | 0 | 0 | 0 | 256 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 1374008 | 13914 | SH |  | SOLE | 0 | 0 | 0 | 1374 |
| APPLE INC | COM | 037833100 |  | 1604154 | 7818 | SH |  | SOLE | 0 | 0 | 0 | 1604 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 293406 | 604 | SH |  | SOLE | 0 | 0 | 0 | 292 |
| COMMUNITY TR BANCORP INC | COM | 204149108 |  | 825181 | 15593 | SH |  | SOLE | 0 | 0 | 0 | 825 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 346331 | 680 | SH |  | SOLE | 0 | 0 | 0 | 346 |
| EA SERIES TRUST | FREEDOM 100 EM | 02072L607 |  | 651928 | 16137 | SH |  | SOLE | 0 | 0 | 0 | 652 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 593103 | 12964 | SH |  | SOLE | 0 | 0 | 0 | 593 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 261470 | 887 | SH |  | SOLE | 0 | 0 | 0 | 261 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 933076 | 1691 | SH |  | SOLE | 0 | 0 | 0 | 933 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 1058279 | 17629 | SH |  | SOLE | 0 | 0 | 0 | 1058 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 1687772 | 20369 | SH |  | SOLE | 0 | 0 | 0 | 1688 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 3468594 | 29126 | SH |  | SOLE | 0 | 0 | 0 | 3468 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 13215464 | 137992 | SH |  | SOLE | 0 | 0 | 0 | 13216 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 4619119 | 55332 | SH |  | SOLE | 0 | 0 | 0 | 4620 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 504770 | 8139 | SH |  | SOLE | 0 | 0 | 0 | 505 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 357501 | 3271 | SH |  | SOLE | 0 | 0 | 0 | 358 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 534312 | 3957 | SH |  | SOLE | 0 | 0 | 0 | 534 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 3393926 | 22566 | SH |  | SOLE | 0 | 0 | 0 | 3394 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 762339 | 8056 | SH |  | SOLE | 0 | 0 | 0 | 762 |
| ISHARES TR | CORE S ETF | 464287200 |  | 26922909 | 43361 | SH |  | SOLE | 0 | 0 | 0 | 26923 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 926528 | 9340 | SH |  | SOLE | 0 | 0 | 0 | 926 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 689485 | 9487 | SH |  | SOLE | 0 | 0 | 0 | 690 |
| ISHARES TR | MICRO-CAP ETF | 464288869 |  | 242171 | 1897 | SH |  | SOLE | 0 | 0 | 0 | 242 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2777922 | 31076 | SH |  | SOLE | 0 | 0 | 0 | 2778 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 843423 | 27491 | SH |  | SOLE | 0 | 0 | 0 | 843 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 856936 | 2018 | SH |  | SOLE | 0 | 0 | 0 | 857 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 740990 | 3815 | SH |  | SOLE | 0 | 0 | 0 | 741 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 273854 | 958 | SH |  | SOLE | 0 | 0 | 0 | 274 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 203353 | 1289 | SH |  | SOLE | 0 | 0 | 0 | 203 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 10383737 | 48120 | SH |  | SOLE | 0 | 0 | 0 | 10384 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 5273685 | 15025 | SH |  | SOLE | 0 | 0 | 0 | 5274 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 9797553 | 160195 | SH |  | SOLE | 0 | 0 | 0 | 9798 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 1458037 | 13251 | SH |  | SOLE | 0 | 0 | 0 | 1457 |
| META PLATFORMS INC | CL A | 30303M102 |  | 233295 | 316 | SH |  | SOLE | 0 | 0 | 0 | 234 |
| MICROSOFT CORP | COM | 594918104 |  | 306621 | 616 | SH |  | SOLE | 0 | 0 | 0 | 307 |
| MOODYS CORP | COM | 615369105 |  | 238255 | 475 | SH |  | SOLE | 0 | 0 | 0 | 238 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 407628 | 2580 | SH |  | SOLE | 0 | 0 | 0 | 408 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 303889 | 7593 | SH |  | SOLE | 0 | 0 | 0 | 304 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 237521 | 8132 | SH |  | SOLE | 0 | 0 | 0 | 238 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 231382 | 8362 | SH |  | SOLE | 0 | 0 | 0 | 231 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 260518 | 10660 | SH |  | SOLE | 0 | 0 | 0 | 261 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 288699 | 11411 | SH |  | SOLE | 0 | 0 | 0 | 289 |
| STRYKER CORPORATION | COM | 863667101 |  | 2172009 | 5490 | SH |  | SOLE | 0 | 0 | 0 | 2172 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 201211 | 1988 | SH |  | SOLE | 0 | 0 | 0 | 201 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 4317179 | 58633 | SH |  | SOLE | 0 | 0 | 0 | 4317 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 622116 | 12476 | SH |  | SOLE | 0 | 0 | 0 | 622 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 203336 | 713 | SH |  | SOLE | 0 | 0 | 0 | 203 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1343526 | 15086 | SH |  | SOLE | 0 | 0 | 0 | 1344 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 613237 | 1080 | SH |  | SOLE | 0 | 0 | 0 | 613 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 325435 | 1071 | SH |  | SOLE | 0 | 0 | 0 | 326 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 273389 | 5527 | SH |  | SOLE | 0 | 0 | 0 | 274 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 1035337 | 22434 | SH |  | SOLE | 0 | 0 | 0 | 1035 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2084666 | 36567 | SH |  | SOLE | 0 | 0 | 0 | 2085 |
| VISA INC | COM CL A | 92826C839 |  | 384164 | 1082 | SH |  | SOLE | 0 | 0 | 0 | 384 |

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