# Gary Howard

> Gary Howard is a fee-only financial advisor at UL Wealth in Valdosta, Georgia. UL Wealth reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/gary-howard/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** UL Wealth
- **Based in:** Valdosta, Georgia
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $49.4M across 230 accounts
- **CRD:** 6630942 (https://adviserinfo.sec.gov/individual/summary/6630942)
- **SEC registration:** Investment adviser representative in GA
- **Exams passed:** Series 63 (2016), Series 66 (2017)
- **Firm size:** 4 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** http://ulwealth.com

## Frequently asked questions

### Is Gary Howard a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Gary holds no broker registration, and UL Wealth reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Gary charge for financial advice?

Gary's firm, UL Wealth, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Gary Howard based?

Gary Howard is based in Valdosta, Georgia.

### Is Gary Howard registered with the SEC?

Yes. Gary Howard is registered as an investment adviser representative in GA (CRD 6630942), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does UL Wealth manage?

UL Wealth reports $49.4M across 230 accounts in assets under management.

### How do I contact Gary Howard?

Through Gary's website, ulwealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6630942): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.