# Howard Smith

> Howard Smith is a fee-only financial advisor at Changing Parameters in Los Altos, California. Changing Parameters reports charging a percentage of assets on its Form ADV.

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

## Facts

- **Firm:** Changing Parameters
- **Based in:** Los Altos, California
- **Fee model (firm's Form ADV):** Percentage of assets
- **Assets under management (firm):** $105.4M across 249 accounts
- **CRD:** 2097495 (https://adviserinfo.sec.gov/individual/summary/2097495)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 63 (1992)
- **Firm size:** 4 employees
- **Disclosures:** None reported

## Frequently asked questions

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

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

### How does Howard charge for financial advice?

Howard's firm, Changing Parameters, reports charging a percentage of assets on its SEC Form ADV.

### Where is Howard Smith based?

Howard Smith is based in Los Altos, California.

### Is Howard Smith registered with the SEC?

Yes. Howard Smith is registered as an investment adviser representative in CA (CRD 2097495), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Changing Parameters manage?

Changing Parameters reports $105.4M across 249 accounts in assets under management.

### How do I contact Howard Smith?

Contact details aren't on file yet. Search for Changing Parameters.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2097495): 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.