William Howard & Co. Financial Advisors, Inc. fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 10, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$250⁠-⁠$350/hr

“The fee schedule for professional time ranges from $250 to $350.00 per hour (depending on the experience level of the professional), staff time $150.00 per hour and administrative time $35.00 per hour.”

Annual fee

$400⁠-⁠$10,000/yr

“Annual Retainer Fee For clients receiving the annual retainer service, the annual fee can range from $400.00 to $10,000, based on 5 the complexity of the client’s individual planning circumstances.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How William Howard & Co. Financial Advisors, Inc. bills

Payment and refund terms, quoted from the fee section of the brochure.

• “The basis for charging fees is negotiable.”
• “The Client has five (5) business days after signing the Client agreement to terminate the contract and receive a full refund of all fees already paid.”
• “After five (5) days, a Client is entitled to receive a pro-rated refund of all unearned fees that were payable in advance.”

How William Howard & Co. Financial Advisors, Inc.’s fees compare

• Its hourly rate of $250-$350 spans the Tennessee median of $275. 55% of the 111 other Tennessee planners that publish an hourly rate charge less.
• 1 of the 10 other planners in Memphis that publish an hourly rate charge less.
• Its annual fee of $400-$10,000 spans the Tennessee median of $7,250. 40% of the 35 other Tennessee planners that publish an annual fee charge less.
• 1 of the 2 other planners in Memphis that publish an annual fee charge less.

About William Howard & Co. Financial Advisors, Inc.

• Firm size: 10 employees.
• Credentials named in the brochure: CFP® and ChFC®.
• Registered as an adviser: 1988 (38 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• College planning
• Insurance analysis
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1.95% a year

Clients

167

Employees

10

Works with

Individuals, high net worth individuals, and pension and profit sharing plans

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, portfolio management for businesses and institutions, and educational seminars and workshops

Assets managed

$342,051,314

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

105959

Website

whcfa.com (opens in new tab)

Phone

(901) 761-5068

Can advise clients in 6 states: Florida, Illinois, Mississippi, New York, Tennessee, Texas

Other planners in Memphis that publish fees

• Brandon Financial Planning, Inc.Memphis$500/hr
• Cothran Capital, LLCMemphis$300/hr, $495
• Crest Private Wealth, LLCMemphis$500⁠-⁠$600/hr, $1,000⁠-⁠$40,000
• Dogwood Financial PlanningMemphis$300/hr, $500
• Eaglestrong FinancialMemphis$200/hr, $100⁠-⁠$500/mo
• Envision Financial Planning, LLCMemphis$500/hr

Compare all 26 planners in Memphis