# Stephen Howard

> Stephen Howard is a fee-only financial advisor at Howard Financial Services in Dallas, Texas. Howard Financial Services reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/stephen-howard/
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
- **CRD:** 5000726 (https://adviserinfo.sec.gov/individual/summary/5000726)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 65 (2012)
- **Firm size:** 24 employees
- **Disclosures:** None reported
- **Website:** http://www.hfs-wm.com

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: Stephen 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 Stephen charge for financial advice?

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

### Where is Stephen Howard based?

Stephen Howard is based in Dallas, Texas.

### Is Stephen Howard registered with the SEC?

Yes. Stephen Howard is registered as an investment adviser representative in TX (CRD 5000726), 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 Stephen Howard?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5000726): 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.