# Shelby Chesnut

> Shelby Chesnut is a fee-only financial advisor at Howard Financial Services in Dallas, Texas, who holds the CFP credential. Howard Financial Services reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Howard Financial Services
- **Based in:** Dallas, Texas
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $1.40B across 1,276 accounts
- **Credentials:** CFP
- **CRD:** 7638291 (https://adviserinfo.sec.gov/individual/summary/7638291)
- **SEC registration:** Investment adviser representative in TX
- **Firm size:** 24 employees
- **Disclosures:** None reported
- **Website:** http://www.hfs-wm.com

## Frequently asked questions

### Is Shelby Chesnut a fee-only financial advisor?

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

### How does Shelby charge for financial advice?

Shelby's firm, Howard Financial Services, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Shelby Chesnut based?

Shelby Chesnut is based in Dallas, Texas.

### What credentials does Shelby Chesnut hold?

Shelby Chesnut holds the CFP credential.

### Is Shelby Chesnut registered with the SEC?

Yes. Shelby Chesnut is registered as an investment adviser representative in TX (CRD 7638291), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Howard Financial Services manage?

Howard Financial Services reports $1.40B across 1,276 accounts in assets under management.

### How do I contact Shelby Chesnut?

Through Shelby's website, www.hfs-wm.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7638291): 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.