Heather M. Coulter

WILLIAM HOWARD & CO. FINANCIAL ADVISORS

Memphis, TN 38119-4839

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CRD#: 4207040

Professional summary

Heather Marie Coulter, CFP®, who also goes by Heather Marie Smith, is a registered financial advisor currently at WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC. located in Memphis, Tennessee.

Heather is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2000. Heather has worked at 5 firms and has passed the Series 63 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Heather Marie 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.

Jazzercise instructor and franchise owner. Not investment related. Location varies. Spends approximately 4 hours a month on this activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Heather Marie Coulter'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®

CFP^®

Certified Financial Planner

Start date: 2006

Experience

Current

January 3, 2023 - Present

WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.

Office #1: 6410 Poplar Ave Suite 330, Memphis, TN 38119-4839

RIA

CRD#: 105959

Memphis, TN

Past

March 1, 2016 - January 5, 2023

COYLE

RIA

CRD#: 110593

GLENVIEW, IL

Past

July 1, 2010 - February 27, 2016

WHEATON WEALTH PARTNERS, LLC

RIA

CRD#: 153638

WHEATON, IL

Past

February 6, 2002 - April 16, 2003

QA3 FINANCIAL CORP.

CRD#: 14754

OMAHA, NE

Past

June 19, 2000 - January 3, 2002

INVESTMENT PLANNERS, INC.

CRD#: 18557

DECATUR, IL

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".

WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.

WILLIAM HOWARD & CO FINANCIAL ADVISORS INC | WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC. | WILLIAM HOWARD & CO FINANCIAL ADVISORS, INC. | WILLIAM HOWARD & CO FINANCIAL ADVISORS, INC

CRD#: 105959 / SEC#: 801-31084

RIA

Registered Investment Advisory firm - (1/28/1988 Approved)

Texas

Registered Investment Advisory firm - (12/31/2001 Failure to Renew)

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

Tennessee
(1/3/2023)

IAR

Texas
(7/19/2023)

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: 7/21/2000

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 6

Date: 6/16/2000

Investment Company Products/Variable Contracts Representative Examination

Current Firm

WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.

WILLIAM HOWARD & CO FINANCIAL ADVISORS INC | WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC. | WILLIAM HOWARD & CO FINANCIAL ADVISORS, INC. | WILLIAM HOWARD & CO FINANCIAL ADVISORS, INC

CRD#: 105959 / SEC#: 801-31084

RIA

Registered Investment Advisory firm - (1/28/1988 Approved)

Texas

Registered Investment Advisory firm - (12/31/2001 Failure to Renew)

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Contact information

Main Address

6410 Poplar Ave Suite 330, Memphis, TN 38119-4839

Mailing Address

Phone number

(901) 761-5068

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (6 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

WILLIAM HOWARD & CO FINANCIAL ADVISORS, INC (2/22/2025)

Regulatory assets under management

Total Number of Accounts	557
AUM (Assets Under Management)	$ 320,702,874

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
09/19/2025	Cover Page	Report
07/31/2023	Cover Page	Report

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.

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Heather M. Coulter

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Heather Marie Coulter's CRS (Customer Relationship Summary).

Certified licenses

Experience

WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.

COYLE

WHEATON WEALTH PARTNERS, LLC

QA3 FINANCIAL CORP.

INVESTMENT PLANNERS, INC.

Primary Firm SEC Registration

WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.

State Registrations and Notice Filings

Exams

Series 63

Date: 7/21/2000

Series 6

Date: 6/16/2000

Current Firm

WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.

Contact information

SEC notice filing (6 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

WILLIAM HOWARD & CO. FINANCIAL ADVISORS, INC.

TRUST BUT VERIFY

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