# William Gray

> William Gray 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/william-gray/
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:** 4497339 (https://adviserinfo.sec.gov/individual/summary/4497339)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 65 (2011), Series 66 (2002)
- **Firm size:** 24 employees
- **Disclosures:** None reported
- **Website:** http://www.hfs-wm.com

## Frequently asked questions

### Is William Gray a fee-only financial advisor?

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

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

### Where is William Gray based?

William Gray is based in Dallas, Texas.

### Is William Gray registered with the SEC?

Yes. William Gray is registered as an investment adviser representative in TX (CRD 4497339), 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 William Gray?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4497339): 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

---

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