Howard P. Smith

CHANGING PARAMETERS

Los Altos, CA

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CRD#: 2097495

Professional summary

Howard Paul Smith, who also goes by Howard P Smith, is a registered financial advisor currently at CHANGING PARAMETERS, LLC located in Los Altos, California.

Howard is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1991. Howard has worked at 6 firms and has passed the Series 63, Series 99TO, SIE, Series 7 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Howard P Smith

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

CHANGING PARAMETERS LLC, CHANGING PARAMETERS MUTUAL FUND, CHANGING PARAMETERS TRUST PORTFOLIO -INVESTMENT RELATED-START 05/2007-ADVISOR TO THE FUND AND PORTFOLIO-160 HRS PER MONTH-100 HRS DURING TRADING; _____________________________________________ INNW FUND, MENLO PARK, CA; Activity Start Date 01/01/1994; 171 MAIN STREET, SUITE 260, LOS ALTOS CA 94022; NOT INVESTMENT RELATED; DIRECTOR OF 501(C)(3); 1 HR PER MONTH; 0 HOURS DURING TRADING; NOT COMPENSATED;

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Howard Paul Smith's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

December 13, 2004 - Present

CHANGING PARAMETERS, LLC

RIA

CRD#: 132551

Los Altos, CA

Past

August 28, 2009 - June 17, 2022

CEROS FINANCIAL SERVICES, INC.

CRD#: 37869

Los Altos, CA

Past

September 16, 2004 - August 31, 2009

GUGGENHEIM DISTRIBUTORS, LLC

CRD#: 40805

MENLO PARK, CA

Past

January 5, 1999 - September 15, 2004

UNITED PLANNERS' FINANCIAL SERVICES OF AMERICA A LIMITED PARTNER

CRD#: 20804

SCOTTSDALE, AZ

Past

February 14, 1992 - March 26, 2013

VALUE MONITORING, INC

RIA

CRD#: 106056

MENLO PARK, CA

Past

December 6, 1991 - December 31, 1998

OSAIC WEALTH, INC.

CRD#: 23131

SCOTTSDALE, AZ

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

CHANGING PARAMETERS, LLC

CRD#: 132551 / SEC#: 801-63495

RIA

Registered Investment Advisory firm - (9/10/2004 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

California
(12/13/2004)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

Series 63

Date: 1/8/1992

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 99TO

Date: 1/2/2023

Operations Professional Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 12/5/1991

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 3/29/1999

General Securities Principal Examination

Current Firm

CHANGING PARAMETERS, LLC

CRD#: 132551 / SEC#: 801-63495

RIA

Registered Investment Advisory firm - (9/10/2004 Approved)

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Contact information

Main Address

201 Main Street Suite 150, Los Altos, CA 94022

Mailing Address

171 Main Street Suite 260, Los Altos, CA 94022

Phone number

(650) 327-7705

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (1 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

CHANGING PARAMETERS, LLC FORM ADV PART 2A - FIRM BROCHURE (JAN 2024) (1/21/2025)

Regulatory assets under management

Total Number of Accounts	255
AUM (Assets Under Management)	$ 102,336,811

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

Contact information

xxxxx@xxxx.xxx

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Firm Stability Insights

Howard P. Smith

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Howard Paul Smith's CRS (Customer Relationship Summary).

Certified licenses

Experience

CEROS FINANCIAL SERVICES, INC.

GUGGENHEIM DISTRIBUTORS, LLC

UNITED PLANNERS' FINANCIAL SERVICES OF AMERICA A LIMITED PARTNER

VALUE MONITORING, INC

OSAIC WEALTH, INC.

Primary Firm SEC Registration

CHANGING PARAMETERS, LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 1/8/1992

Series 99TO

Date: 1/2/2023

SIE

Date: 10/1/2018

Series 7

Date: 12/5/1991

Series 24

Date: 3/29/1999

Current Firm

CHANGING PARAMETERS, LLC

Contact information

SEC notice filing (1 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

CHANGING PARAMETERS, LLC

TRUST BUT VERIFY

Contact information

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