Howard Financial Services, Ltd. (“HFS”, “we”, “our”) was founded in 1994 as a fee-only wealth
management firm. We provide personalized investment management and financial planning
services to high-net-worth individuals, individuals, trusts, estates, charitable organizations,
small businesses, and pooled investment vehicles. Investment management and financial
planning services are provided through our HFS Wealth Management division. HFS also
serves as the investment advisor to affiliated private investment offerings (“private
placements”) through our HFS Capital Partners division. Neither division accepts
commissions.
HFS offers a range of services to meet client needs. Our services may include, but are not
limited to, determination of investment and financial objectives, identification of financial
deficiencies, risk analysis, and cash flow management. We offer strategic tax planning, legacy
planning, retirement planning, insurance advice, and education funding
recommendations.
We also provide investment review and/or investment management services. Additionally,
we consult small businesses on their organizational structure and help them plan for
succession, merger and acquisition transactions, and general business planning. If you hire
us to manage your investments, you may impose restrictions, at any time, on investment in
certain securities or types of securities through an Investment Policy Statement (“IPS”).
Principal owners of Howard Financial Services, Ltd. are James N. Howard, John T. Howard as
trustee of The Thomas 1991 Investment Trust, Stephen J. Howard as trustee of The James
1991 Investment Trust, Hunting Oak Investments, LLC which is managed by Shaun Dowling,
Apache Acquisitions, Ltd. which is managed by Derek Childs, and Lisa Smiley P.C. which is
managed by Lisa Smiley.
As of December 31, 2023, HFS managed $1,275,053,949 of assets on a discretionary basis,
and $6,254,389 on a non-discretionary basis.