# William Howard & Co Financial Advisors Inc

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2023493. Source: https://holderbook.com/funds/2023493-william-howard-co-financial-advisors-inc/

- Reported value: $128.6M
- Positions: 54
- Weight of the ten largest: 73.1%
- Filed: 2026-07-09

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $30.0M | 40,126 | 23.4% | 10 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $14.3M | 47,589 | 11.1% | 10 |
| ISHARES TR | [IEF](https://holderbook.com/stocks/IEF/) | $12.2M | 128,576 | 9.5% | 10 |
| ISHARES TR | [ICF](https://holderbook.com/stocks/ICF/) | $10.9M | 160,922 | 8.5% | 10 |
| ISHARES TR | [IWV](https://holderbook.com/stocks/IWV/) | $5.9M | 13,778 | 4.6% | 10 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $5.4M | 56,013 | 4.2% | 10 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $4.6M | 62,085 | 3.5% | 10 |
| ISHARES TR | [IUSG](https://holderbook.com/stocks/IUSG/) | $4.2M | 22,566 | 3.3% | 10 |
| ISHARES TR | [IEI](https://holderbook.com/stocks/IEI/) | $3.4M | 29,180 | 2.7% | 10 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $3.1M | 29,595 | 2.4% | 10 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $2.6M | 36,641 | 2.0% | 10 |
| AMPHENOL CORP | [APH](https://holderbook.com/stocks/APH/) | $2.3M | 13,198 | 1.8% | 10 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.8M | 6,307 | 1.4% | 10 |
| STRYKER CORPORATION | [SYK](https://holderbook.com/stocks/SYK/) | $1.7M | 5,490 | 1.3% | 10 |
| ISHARES TR | [SHY](https://holderbook.com/stocks/SHY/) | $1.7M | 20,523 | 1.3% | 10 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $1.5M | 16,038 | 1.2% | 10 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $1.5M | 13,542 | 1.2% | 10 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $1.3M | 16,267 | 1.0% | 10 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $1.2M | 1,662 | 1.0% | 10 |
| EA SERIES TRUST | [FRDM](https://holderbook.com/stocks/FRDM/) | $1.2M | 15,885 | 0.9% | 10 |
| COMMUNITY TR BANCORP INC | [CTBI](https://holderbook.com/stocks/CTBI/) | $1.1M | 15,557 | 0.9% | 10 |
| VANGUARD INTL EQUITY INDEX F | [VNQI](https://holderbook.com/stocks/VNQI/) | $1.0M | 22,558 | 0.8% | 10 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $1.0M | 8,102 | 0.8% | 10 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $940.0K | 3,878 | 0.7% | 10 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $924.5K | 9,340 | 0.7% | 10 |
| ISHARES TR | [IUSV](https://holderbook.com/stocks/IUSV/) | $887.4K | 8,056 | 0.7% | 10 |
| ISHARES TR | [PFF](https://holderbook.com/stocks/PFF/) | $867.6K | 28,454 | 0.7% | 10 |
| ISHARES TR | [SCZ](https://holderbook.com/stocks/SCZ/) | $694.9K | 8,447 | 0.5% | 10 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $679.9K | 4,139 | 0.5% | 10 |
| VANGUARD BD INDEX FDS | [VUSB](https://holderbook.com/stocks/VUSB/) | $621.1K | 12,476 | 0.5% | 9 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $620.3K | 8,044 | 0.5% | 10 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $619.6K | 902 | 0.5% | 10 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $589.7K | 12,964 | 0.5% | 8 |
| CROWDSTRIKE HLDGS INC | [CRWD](https://holderbook.com/stocks/CRWD/) | $518.9K | 680 | 0.4% | 7 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $467.1K | 1,262 | 0.4% | 8 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $460.2K | 3,103 | 0.4% | 9 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $417.2K | 11,547 | 0.3% | 10 |
| SCHWAB STRATEGIC TR | [FNDF](https://holderbook.com/stocks/FNDF/) | $415.0K | 7,866 | 0.3% | 10 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $371.2K | 1,082 | 0.3% | 10 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $363.4K | 1,057 | 0.3% | 5 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $355.1K | 1,490 | 0.3% | 10 |
| AMERICAN CENTY ETF TR | [AVLV](https://holderbook.com/stocks/AVLV/) | $346.0K | 3,793 | 0.3% | 10 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $333.1K | 5,580 | 0.3% | 8 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $330.2K | 1,650 | 0.3% | 7 |
| ISHARES TR | [IWO](https://holderbook.com/stocks/IWO/) | $320.7K | 814 | 0.2% | 10 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $317.3K | 10,781 | 0.2% | 10 |
| MARVELL TECHNOLOGY INC | [MRVL](https://holderbook.com/stocks/MRVL/) | $286.0K | 960 | 0.2% | 1 |
| VANGUARD ADMIRAL FDS INC | [VIOO](https://holderbook.com/stocks/VIOO/) | $277.0K | 2,014 | 0.2% | 5 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $273.8K | 4,003 | 0.2% | 4 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $265.9K | 7,857 | 0.2% | 9 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $265.6K | 7,630 | 0.2% | 10 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $250.1K | 2,926 | 0.2% | 3 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $239.0K | 850 | 0.2% | 6 |
| MOODYS CORP | [MCO](https://holderbook.com/stocks/MCO/) | $215.1K | 475 | 0.2% | 9 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +11.3% | +14.8% | -3.6% | 100% |
| Q1 2026 | -1.8% | -4.6% | +2.8% | 100% |
| Q4 2025 | +1.1% | +2.4% | -1.3% | 100% |
| Q3 2025 | +5.7% | +7.8% | -2.2% | 100% |
| Q2 2025 | +6.8% | +10.5% | -3.6% | 100% |
| Q1 2025 | -1.7% | -4.6% | +2.8% | 100% |
| Q4 2024 | -2.1% | +2.1% | -4.2% | 100% |
| Q3 2024 | +6.6% | +5.4% | +1.2% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $128.6M | 54 |
| Q1 2026 | $115.8M | 54 |
| Q4 2025 | $118.6M | 57 |
| Q3 2025 | $117.5M | 56 |
| Q2 2025 | $114.6M | 56 |
| Q1 2025 | $106.7M | 52 |
| Q4 2024 | $110.5M | 52 |
| Q3 2024 | $117.2M | 57 |
| Q2 2024 | $108.3M | 48 |
| Q1 2024 | $106.7M | 45 |