The staff at William Howard and Co. Financial Advisors Inc. is dedicated to providing exceptional service in a professional and confidential manner.
William B. Howard, Jr. ChFC®, CFP® - President
William is President of William Howard & Co. with 43 years of experience advising clients on financial matters. As expert, author, and leader, William brings financial skills and seasoned knowledge to his clients and his community.
Mr. Howard has published articles in Medical Economics, American Medical News, Physician’s Management, and the Journal of Financial Planning. He is also a financial columnist for Medical Society Quarterly, a publication of the Memphis Medical Society.
He has been frequently quoted in the press publications such as The Wall Street Journal, USA Today, Business Week, Medical Economics, and Investor’s Business Daily. Local news networks have interviewed William on financial related topics, and he was a regular guest panelist for a local cable television investment series. His firm’s success story has been featured in local and national media.
William received his Bachelor’s degree from the University of Mississippi, continuing on to receive the Chartered Financial Consultant® and CERTIFIED FINANCIAL PLANNER™ professional designations. He is a founding board member, past president and chairperson of the Financial Planning Association of Greater Memphis. He is a member of the editorial review board for the Journal of Financial Planning and a past member of the adjunct faculty of the College for Financial Planning.
He is a member of the Memphis Planned Giving Council and the Financial Planning Association. William was selected Memphis Executive of the Year in 2009 by the International Association of Administrative Professionals.
He enjoys spending time with his children, exercising, listening to music, and playing guitar.
Sheila C. Akin - Financial Paraplanner
Sheila works closely with the financial planners in all areas of the planning process. Her responsibilities include organizing client data and creating the reports and assumptions used in the financial analyses. She is responsible for financial plan updates and retainer services as well as training staff members in these areas.
She joined the firm in 1996 after earning a BA in Management Information Systems from the University of Memphis and working with a local CPA firm for seven years. She received her Financial
Paraplanner Qualified Professional™ (FPQP™) designation in 1998.
Sheila is an avid reader and
enjoys playing bridge, doing crossword puzzles, and spending time with her
three children and eight grandchildren. She is thrilled to have her first great-grandchild and hopes to have
Brian D. Barthol, CFP® - Financial Analyst
Brian joined William Howard in
1997 as a Financial Planning Intern and became a full-time member of the firm
in 2000. His job duties include
financial planning analysis and advice, performance reporting, portfolio
monitoring, as well as security and market analysis. He provides research, writing, and editing
assistance in the creation of the William Howard quarterly investment
newsletter. He supervises client meeting preparation; he manages the company
website; and he provides support for all client services. Brian received undergraduate
and graduate degrees from the University of Memphis. He is a CERTIFIED
FINANCIAL PLANNER™ professional and a current member of the Financial Planning
Association of Greater Memphis.
Brian is a proud supporter of the
University of Memphis Tigers. He enjoys
working in the yard, cooking for family, time at the lake with friends, and
visits to the Great Smoky National Park.
Judy B. Carmichael, CAP-OM® - Executive Assistant/Financial Planning Assistant
serves as our Senior Executive Assistant and Financial Planning Assistant. In
these roles, she assists with client services, office management, and the
financial planning process. Judy joined the firm in 1999 with 15 prior years of
experience in the banking industry.
has a degree in business administration from Strayer University and three
professional designations; the Financial Paraplanner Qualified Professional
(FPQP), Certified Administrative Professional (CAP) and the Organizational
Management (OM) designation. She is an
active member of her church and enjoys music, travel, and photographing
memories of family and friends.
Heather M. Coulter, CFP® - Financial Planner
Heather joined William Howard
& Co, in January of 2023. She has more than 20 years of experience in
advising clients on financial matters. Prior to joining her husband’s firm she
co-founded Wheaton Wealth Partners, LLC in Wheaton IL. She and the WWP partners
sold and merged that firm to Coyle Financial Counsel the end of 2015. Heather continued to run the
Wheaton, IL and Naples, FL offices as a principal and lead advisor. She was
featured on a TV series “
Let’s Get down to Business” where she discussed the
challenges single women face in personal financial planning. She received her
Accredited Asset Management Specialists in 2001 and her CERTIFIED FINANCIAL
PLANNER™ certification in
In addition to building client
relationships in the Mid-South, Heather will continue working with clients
virtually who reside in several states and will give the firm a presence in
Naples, Florida during the winter months. She has worked with clients and
professionals in that area for over 18 years.
Heather has a passion for helping
people navigate through life transitions and plan their financial future.
Incorporating her own life experiences, she’s able to offer sincere empathy and
provide unique insight for understanding the many challenges women face today.
She has knowledge both with working in the corporate world, in addition to smaller
She is also a Certified
Jazzercise Workout Instructor and finds great joy in helping her students
become healthier, have fun while getting fit and improving themselves in mind,
body and soul. She recently celebrated her 17th anniversary as an instructor.
Heather enjoys being active,
traveling and spending time with her friends and family. She remains a true
Midwesterner remaining a Chicago Blackhawks Hockey fan, while much appreciating
her new Southern Ole Miss football family.
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George J. Crews - Financial Analyst Assistant
George joined William Howard & Co. as an
intern in June of 2021. He assists the team with daily operations with an
emphasis on client performance reporting and security & market analysis.
George obtained is undergraduate degree from
the University of Mississippi in 2021 with a degree in Managerial Finance and
Banking & Finance. He is currently working on his master’s degree in
finance at the University of Memphis. Outside the office, George is an avid
sports fan, especially Ole Miss and our Memphis Grizzlies. He also loves
playing golf, listening to music, and going snow skiing.
W. Barker Howard, III - Financial Paraplanner
Barker joined the
William Howard & Co. team in June of 2017 as an intern. He supports
the staff in daily operations and assists in all areas of the financial and
investment planning process.
He graduated from the University of Mississippi in 2016 with
a degree in Business Management. At Ole Miss, he served as a worship music
leader and worked on staff for Campus Crusade for Christ. Barker is also
an avid golfer and loves to play guitar.
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