OUR FIRM

Our Philosophy

Our mission at William Howard & Co. is to help our clients achieve their financial goals through sound financial strategies and life-long relationships.


Our firm provides financial planning and investment services for individuals, professionals, business owners, and retirees. Our commitment is to facilitate comprehensive financial planning through prudent, objective, informed, and client-oriented recommendations - consistent with the needs, goals, attitudes, and resources of our clients.


Since 1984, William Howard & Co. has been guided by a basic principle - be a trusted financial advisor. As our firm continues to grow, that principle and our client commitment are unwavering.

Meet our advisory team.

who we are
Fiduciary Paul Boggs in a suit and tie.


William B. Howard, Jr.

CFP®, CHFC®

About William
Fiduciary Derek Lewis in a tie is smiling.



Heather M. Coulter

CFP®

About Heather
Julie Mitchell in a blue shirt and necklace is smiling in a circle.


Valerie Adelman

CFP®, CDFA™

About Valerie
Fiduciary Paul Boggs in a suit and tie.


Brian D. Barthol

CFP®

Financial Analyst

About Brian
Fiduciary Derek Lewis in a tie is smiling.


Judy B. Carmichael

FPQP™, CAP, OM

Client Services Specialist

Financial Paraplanner

About Judy
Julie Mitchell in a blue shirt and necklace is smiling in a circle.


Lillian Hoyer

FPQP™

Senior Client Services Representative
Financial Planning Associate

About Lillian
Fiduciary Paul Boggs in a suit and tie.


Barker Howard, III

FPQP™

Financial Planning Assistant

About Barker
Fiduciary Derek Lewis in a tie is smiling.


George J. Crews, MBA

Financial Analyst Assistant

About George
Julie Mitchell in a blue shirt and necklace is smiling in a circle.


Madilyn H. Morris

FPQP™

Administrative Assistant

About Madilyn

Get to know what makes us unique.

  • Objective

    As independent advisors, we are not affiliated with or compensated by any bank, brokerage firm, money manager, large Wall Street firm or investment service.

  • Dedicated

    Committed to lasting client partnerships, we're driven by passion and dedication to delivering exceptional service. Our adherence to the fiduciary duty is reflected in our daily actions, ensuring our clients' best interests remain at the forefront of all we do.

  • Experienced

    With a collective career experience spanning over 100 years, our team offers recommendations grounded in extensive knowledge and real-world experience. Clients can rely on our seasoned expertise to navigate their financial journey with confidence and insight.

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Our Client Approach

At William Howard & Co., we believe in the following:


  • Provide objective advice and exceptional service.
  • Establish relationships based on honesty, integrity, and trust.
  • Conduct actions in the best interests of clients.
  • Treat clients with care, respect, and compassion.
  • Focus on client goals, objectives, and core values.
  • Emphasize education and the evolution of the planning process.
  • Deliver passion and commitment as a financial advisor.
  • Maintain effective client communications and engagements.
  • Promote financial peace of mind.