# Heather Coulter

> Heather Coulter is a fee-only financial advisor at William Howard & Co. Financial Advisors in Memphis, Tennessee, who holds the CFP credential. Heather focuses on retirement planning, estate & legacy planning and tax planning. William Howard & Co. Financial Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/heather-coulter/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** William Howard & Co. Financial Advisors
- **Based in:** Memphis, Tennessee
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $342.1M across 543 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **Works with:** Retirees
- **CRD:** 4207040 (https://adviserinfo.sec.gov/individual/summary/4207040)
- **SEC registration:** Investment adviser representative in TN, TX
- **Exams passed:** Series 63 (2000)
- **Firm size:** 10 employees
- **Disclosures:** None reported
- **Website:** http://www.whcfa.com

## Frequently asked questions

### Is Heather Coulter a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Heather holds no broker registration, and William Howard & Co. Financial Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Heather charge for financial advice?

Heather's firm, William Howard & Co. Financial Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Heather Coulter based?

Heather Coulter is based in Memphis, Tennessee.

### What does Heather specialize in?

Heather's specialties include retirement planning, estate & legacy planning and tax planning. Heather works with retirees.

### What credentials does Heather Coulter hold?

Heather Coulter holds the CFP credential.

### Is Heather Coulter registered with the SEC?

Yes. Heather Coulter is registered as an investment adviser representative in TN and TX (CRD 4207040), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does William Howard & Co. Financial Advisors manage?

William Howard & Co. Financial Advisors reports $342.1M across 543 accounts in assets under management.

### How do I contact Heather Coulter?

Through Heather's website, www.whcfa.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4207040): 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
- The firm's website (https://www.whcfa.com/): specialties, clients served, and fees, checked October 30, 2026

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