Heather Coulter
William Howard & Co. Financial Advisors · Memphis, Tennessee
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.
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Specialties
Who they serve
- Retirees
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 |
| Assets under management | $342.1M across 543 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in TN, TX · CRD 4207040 |
| Exams passed | Series 63 (2000) |
| Firm size | 10 employees |
| Disclosures | None reported |
| Website | www.whcfa.com |
How Heather's firm compares
- William Howard & Co. Financial Advisors's average account is about $630,000, from its Form ADV (assets managed divided by 543 accounts).
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Questions about Heather
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- William Howard & Co. Financial Advisors website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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