HOWARD FINANCIAL SERVICES, LTD.

Filed: 10/12/2022ACC: 0001768130-22-000005

📋 What this filing means

HOWARD FINANCIAL SERVICES, LTD. filed this quarterly 13F‑HR report disclosing 130 equity positions with a total reported market value of $308.5K. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

130

Positions

$308.5K

Total AUM (reported)

5.79M

Total Shares

Allocation by class

US DIVIDEND EQ$40.4K13.1%

MSCI USA QLT FCT$39.2K12.7%

S&P500 EQL WGT$38.3K12.4%

COM$37.3K12.1%

DIV APP ETF$24.9K8.1%

MSCI INTL QUALTY$10.0K3.3%

TR UNIT$9.3K3.0%

Portfolio Concentration

Top 3$117.9K38.2%

4–10$78.1K25.3%

11–25$55.4K18.0%

Rest$57.1K18.5%

Top 3 weight

38.2%

Top 10 weight

63.5%

Voting Authority Distribution

Total shares with voting rights: 5.79M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

5.79M

% of voting shares100.0%

Investment Discretion (by position count)

Sole130

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings130

Rows:

SCHWAB STRATEGIC TR

SOLE

US DIVIDEND EQ

Shares607.94K

TypeSH

Market value$40.4K

13.09%

Sole

0.00

Shared

0.00

None

607.94K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares376.96K

TypeSH

Market value$39.2K

12.70%

Sole

0.00

Shared

0.00

None

376.96K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares300.89K

TypeSH

Market value$38.3K

12.41%

Sole

0.00

Shared

0.00

None

300.89K

VANGUARD SPECIALIZED FUNDS

SOLE

DIV APP ETF

Shares184.06K

TypeSH

Market value$24.9K

8.06%

Sole

0.00

Shared

0.00

None

184.06K

APPLE INC

SOLE

COM

Shares75.30K

TypeSH

Market value$10.4K

3.37%

Sole

0.00

Shared

0.00

None

75.30K

ISHARES TR

SOLE

MSCI INTL QUALTY

Shares360.90K

TypeSH

Market value$10.0K

3.25%

Sole

0.00

Shared

0.00

None

360.90K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares26.06K

TypeSH

Market value$9.3K

3.02%

Sole

0.00

Shared

0.00

None

26.06K

VANGUARD WHITEHALL FDS

SOLE

INTL DVD ETF

Shares140.29K

TypeSH

Market value$8.7K

2.82%

Sole

0.00

Shared

0.00

None

140.29K

WISDOMTREE TR

SOLE

EM EX ST-OWNED

Shares332.91K

TypeSH

Market value$8.2K

2.66%

Sole

0.00

Shared

0.00

None

332.91K

LATTICE STRATEGIES TR

SOLE

HARTFORD MLT ETF

Shares302.25K

TypeSH

Market value$6.6K

2.13%

Sole

0.00

Shared

0.00

None

302.25K

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT INC

Shares118.78K

TypeSH

Market value$6.0K

1.93%

Sole

0.00

Shared

0.00

None

118.78K

HARTFORD FDS EXCHANGE TRADED

SOLE

TOTAL RTRN ETF

Shares164.32K

TypeSH

Market value$5.3K

1.73%

Sole

0.00

Shared

0.00

None

164.32K

PACER FDS TR

SOLE

PACER US SMALL

Shares147.55K

TypeSH

Market value$4.8K

1.55%

Sole

0.00

Shared

0.00

None

147.55K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares16.94K

TypeSH

Market value$4.5K

1.47%

Sole

0.00

Shared

0.00

None

16.94K

SCHWAB STRATEGIC TR

SOLE

SCHWB FDT INT LG

Shares168.88K

TypeSH

Market value$4.2K

1.38%

Sole

0.00

Shared

0.00

None

168.88K

FIRST TR EXCHNG TRADED FD VI

SOLE

TCW OPPORTUNIS

Shares97.20K

TypeSH

Market value$4.2K

1.37%

Sole

0.00

Shared

0.00

None

97.20K

SSGA ACTIVE ETF TR

SOLE

SPDR TR TACTIC

Shares95.70K

TypeSH

Market value$3.8K

1.25%

Sole

0.00

Shared

0.00

None

95.70K

WISDOMTREE TR

SOLE

US QTLY DIV GRT

Shares65.95K

TypeSH

Market value$3.6K

1.15%

Sole

0.00

Shared

0.00

None

65.95K

PGIM ETF TR

SOLE

TOTAL RETURN BON

Shares80.36K

TypeSH

Market value$3.3K

1.06%

Sole

0.00

Shared

0.00

None

80.36K

MICROSOFT CORP

SOLE

COM

Shares13.18K

TypeSH

Market value$3.1K

0.99%

Sole

0.00

Shared

0.00

None

13.18K

FIRST TR EXCHANGE-TRADED FD

SOLE

RISNG DIVD ACHIV

Shares72.33K

TypeSH

Market value$2.8K

0.91%

Sole

0.00

Shared

0.00

None

72.33K

CHIPOTLE MEXICAN GRILL INC

SOLE

COM

Shares1.86K

TypeSH

Market value$2.8K

0.91%

Sole

0.00

Shared

0.00

None

1.86K

PEPSICO INC

SOLE

COM

Shares16.62K

TypeSH

Market value$2.7K

0.88%

Sole

0.00

Shared

0.00

None

16.62K

SPDR SER TR

SOLE

BLOOMBERG 1-3 MO

Shares24.32K

TypeSH

Market value$2.2K

0.72%

Sole

0.00

Shared

0.00

None

24.32K

SCHWAB STRATEGIC TR

SOLE

INTL EQTY ETF

Shares71.95K

TypeSH

Market value$2.0K

0.66%

Sole

0.00

Shared

0.00

None

71.95K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SCHWAB STRATEGIC TRSOLE	US DIVIDEND EQ	607.94K	SH	$40.4K 13.09%	607.94K
ISHARES TRSOLE	MSCI USA QLT FCT	376.96K	SH	$39.2K 12.70%	376.96K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	300.89K	SH	$38.3K 12.41%	300.89K
VANGUARD SPECIALIZED FUNDSSOLE	DIV APP ETF	184.06K	SH	$24.9K 8.06%	184.06K
APPLE INCSOLE	COM	75.30K	SH	$10.4K 3.37%	75.30K
ISHARES TRSOLE	MSCI INTL QUALTY	360.90K	SH	$10.0K 3.25%	360.90K
SPDR S&P 500 ETF TRSOLE	TR UNIT	26.06K	SH	$9.3K 3.02%	26.06K
VANGUARD WHITEHALL FDSSOLE	INTL DVD ETF	140.29K	SH	$8.7K 2.82%	140.29K
WISDOMTREE TRSOLE	EM EX ST-OWNED	332.91K	SH	$8.2K 2.66%	332.91K
LATTICE STRATEGIES TRSOLE	HARTFORD MLT ETF	302.25K	SH	$6.6K 2.13%	302.25K
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT INC	118.78K	SH	$6.0K 1.93%	118.78K
HARTFORD FDS EXCHANGE TRADEDSOLE	TOTAL RTRN ETF	164.32K	SH	$5.3K 1.73%	164.32K
PACER FDS TRSOLE	PACER US SMALL	147.55K	SH	$4.8K 1.55%	147.55K
INVESCO QQQ TRSOLE	UNIT SER 1	16.94K	SH	$4.5K 1.47%	16.94K
SCHWAB STRATEGIC TRSOLE	SCHWB FDT INT LG	168.88K	SH	$4.2K 1.38%	168.88K
FIRST TR EXCHNG TRADED FD VISOLE	TCW OPPORTUNIS	97.20K	SH	$4.2K 1.37%	97.20K
SSGA ACTIVE ETF TRSOLE	SPDR TR TACTIC	95.70K	SH	$3.8K 1.25%	95.70K
WISDOMTREE TRSOLE	US QTLY DIV GRT	65.95K	SH	$3.6K 1.15%	65.95K
PGIM ETF TRSOLE	TOTAL RETURN BON	80.36K	SH	$3.3K 1.06%	80.36K
MICROSOFT CORPSOLE	COM	13.18K	SH	$3.1K 0.99%	13.18K
FIRST TR EXCHANGE-TRADED FDSOLE	RISNG DIVD ACHIV	72.33K	SH	$2.8K 0.91%	72.33K
CHIPOTLE MEXICAN GRILL INCSOLE	COM	1.86K	SH	$2.8K 0.91%	1.86K
PEPSICO INCSOLE	COM	16.62K	SH	$2.7K 0.88%	16.62K
SPDR SER TRSOLE	BLOOMBERG 1-3 MO	24.32K	SH	$2.2K 0.72%	24.32K
SCHWAB STRATEGIC TRSOLE	INTL EQTY ETF	71.95K	SH	$2.0K 0.66%	71.95K

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