Howard Financial Services, LTD. — Q3 2025 13F Holdings

Name: Howard Financial Services, LTD. — 13F Holdings, Q3 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0001768130

Total reported value

$1.0B

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	QUAL	Ishares Msci USA Quality Fac	ETF-Other	12.02%	+0.39%	+1.65%
2	SCHD	Schwab US Dvd Equity ETF	ETF-Other	6.65%	-0.53%	-2.06%
3	VIG	Vanguard Dividend Apprec ETF	ETF-Other	4.98%	-0.12%	+2.14%
4	SPGP	Invesco S&p 500 Garp ETF	ETF-Large Cap & Growth	4.80%	-0.13%	-0.36%
5	RSP	Invesco S&p 500 Equal Weight	ETF-Large Cap & Growth	4.56%	-0.18%	-1.18%
6	GTO	Invesco Total Return Bond Et	ETF-Other	4.21%	-0.31%	+1.85%
7	AAPL	Apple INC	Stock-Tech	4.12%	+0.08%	-0.20%
8	HTRB	Hartford Ttl Rtrn Bnd ETF	ETF-Other	3.77%	-0.33%	+1.49%
9	DGRW	Wisdomtree U.s. Quality Divi	ETF-Other	3.72%	+0.10%	+2.23%
10	PTRB	Pgim Total Return Bond ETF	ETF-Other	3.50%	—	+1.89%
11	SJNK	Ss Spdr Bb St Hi Yield ETF	ETF-Other	2.72%	-0.42%	+3.05%
12	TOTL	Ss Doubleline Tr Tact ETF	ETF-Other	2.58%	-0.46%	-1.33%
13	IQLT	Ishares Msci International Q	ETF-Other	2.38%	+0.08%	-0.26%
14	ANGL	Vaneck Fallen Angel High Yld	ETF-Other	2.14%	-0.14%	+6.23%
15	SCHG	Schwab US Large-cap Growth	ETF-Other	2.05%	+0.42%	+81.05%
16	FNDF	Schwab Fndmn Intl Lrg Co ETF	ETF-Other	1.99%	+0.09%	+0.64%
17	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	1.95%	+0.03%	+0.10%
18	RDVY	First Trust Rising Dividend	ETF-Other	1.88%	+0.21%	+7.89%
19	VIGI	Vanguard Int Div App Indx Fd	ETF-Other	1.86%	-0.02%	-0.84%
20	NVDA	Nvidia CORP	Stock-Tech	1.79%	—	+0.67%
21	XSOE	Wisdmtree Emerg Mkt Ex-st Ow	ETF-Other	1.40%	+0.31%	-0.91%
22	MSFT	Microsoft CORP	Stock-Tech	1.37%	—	+2.42%
23	CALF	Pcr US Sm Cp Csh Cws Etf-usd	ETF-Other	1.28%	-0.03%	-17.46%
24	QQQ	Invesco Qqq Trust Series 1	ETF-Tech	1.28%	+0.08%	-0.05%
25	MOAT	Vaneck Morningstar Wide Moat	ETF-Other	1.03%	—	-1.70%
26	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.88%	—	+2.17%
27	FPE	Ft-preferred Secur & INC ETF	ETF-Other	0.82%	—	-7.53%
28	AMZN	Amazon.com INC	Stock-Consumer Disc	0.74%	+0.11%	+1.28%
29	SBR	Sabine Royalty Trust	Stock-Other	0.66%	—	+0.19%
30	AVGO	Broadcom INC	Stock-Tech	0.61%	+0.13%	+6.74%
31	FIXD	First Trust Smith Opportunis	ETF-Other	0.57%	—	-18.91%
32	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	0.54%	+0.04%	+0.29%
33	EPD	Enterprise Products Partners	Stock-Energy	0.45%	—	+1.26%
34	CMG	Chipotle Mexican Grill INC	Stock-Consumer Disc	0.45%	—	-0.20%
35	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	0.44%	+0.01%	+0.20%
36	RODM	Hartford Multifact Dev Mrkt	ETF-Other	0.40%	—	-0.87%
37	ET	Energy Transfer LP	Stock-Energy	0.39%	—	-0.40%
38	JPST	Jpmorgan Ultra-short Income	ETF-Other	0.39%	-0.50%	+0.00%
39	BSV	Vanguard Short-term Bond ETF	ETF-Other	0.37%	—	-3.84%
40	SCHE	Schwab Emrg Mrkts Eqty ETF	ETF-Other	0.33%	—	-1.62%
41	TSLA	Tesla INC	Stock-Consumer Disc	0.31%	—	-0.43%
42	PLTR	Palantir Technologies Inc-a	Stock-Tech	0.30%	—	-0.23%
43	SCHF	Schwab Intl Equity ETF	ETF-Other	0.29%	—	+0.79%
44	PEP	Pepsico INC	Stock-Consumer Staples	0.27%	—	-1.65%
45	XOM	Exxon Mobil CORP	Stock-Energy	0.27%	-0.09%	-1.03%
46	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.27%	+0.15%	+6.48%
47	JPM	Jpmorgan Chase & Co	Stock-Financials	0.24%	—	+1.22%
48	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	0.21%	—	-0.03%
49	MPLX	Mplx LP	Stock-Energy	0.21%	—	+0.50%
50	BIL	Ss Spdr Bb 1-3m T-bill ETF	ETF-Gov Bonds	0.21%	—	-0.23%

1–50 of 199

Holding changes this quarter

Position changes disclosed by Howard Financial Services, LTD. for the quarter ending Q3 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	QUAL	Ishares Msci USA Quality Fac	+0.7%	+1.65%	Add
2	NVDA	Nvidia CORP	+0.6%	+0.67%	Trim
3	DGRW	Wisdomtree U.s. Quality Divi	+0.5%	+2.23%	Add
4	AVGO	Broadcom INC	+0.3%	+6.74%	Add
5	RDVY	First Trust Rising Dividend	+0.3%	+7.89%	Add
6	SPY	Ss Spdr S&p 500 ETF Trust-us	+0.2%	+0.10%	Add
7	QQQ	Invesco Qqq Trust Series 1	+0.2%	-0.05%	Add
8	PLTR	Palantir Technologies Inc-a	+0.1%	-0.23%	Trim
9	FNDF	Schwab Fndmn Intl Lrg Co ETF	+0.1%	+0.64%	Trim
10	MSFT	Microsoft CORP	+0.1%	+2.42%	Trim
11	ANGL	Vaneck Fallen Angel High Yld	+0.1%	+6.23%	Add
12	TSLA	Tesla INC	+0.1%	-0.43%	Trim
13	VIG	Vanguard Dividend Apprec ETF	+0.1%	+2.14%	Add
14	TQQQ	Proshares Ultrapro Qqq	+0.1%	—	Add
15	XSOE	Wisdmtree Emerg Mkt Ex-st Ow	+0.1%	-0.91%	Trim
16	IGSB	Ishares 1-5y Inv Grade CORP	+0.1%	+40.35%	Add
17	TSM	Taiwan Semiconductor-sp Adr	+0.1%	+1.29%	Trim
18	AAPL	Apple INC	0%	-0.20%	Trim
19	VTI	Vanguard Total Stock Mkt ETF	0%	+0.20%	Add
20	EPD	Enterprise Products Partners	0%	+1.26%	Add
21	IQLT	Ishares Msci International Q	—	-0.26%	Trim
22	SPGP	Invesco S&p 500 Garp ETF	0%	-0.36%	Trim
23	AMZN	Amazon.com INC	0%	+1.28%	Trim
24	SJNK	Ss Spdr Bb St Hi Yield ETF	0%	+3.05%	Add
25	VIGI	Vanguard Int Div App Indx Fd	-0.1%	-0.84%	Add
26	MOAT	Vaneck Morningstar Wide Moat	-0.1%	-1.70%	Trim
27	TXN	Texas Instruments INC	-0.1%	-21.74%	Trim
28	TPL	Texas Pacific Land CORP	-0.1%	—	Trim
29	BX	Blackstone INC	-0.1%	+64.42%	Trim
30	BSV	Vanguard Short-term Bond ETF	-0.1%	-3.84%	Trim
31	RSP	Invesco S&p 500 Equal Weight	-0.2%	-1.18%	Trim
32	JPST	Jpmorgan Ultra-short Income	-0.2%	+0.00%	Trim
33	CMG	Chipotle Mexican Grill INC	-0.2%	-0.20%	Trim
34	HTRB	Hartford Ttl Rtrn Bnd ETF	-0.2%	+1.49%	Add
35	FPE	Ft-preferred Secur & INC ETF	-0.3%	-7.53%	Trim
36	PTRB	Pgim Total Return Bond ETF	-0.3%	+1.89%	Add
37	IJH	Ishares Core S&p Midcap ETF	-0.3%	+0.21%	Trim
38	GTO	Invesco Total Return Bond Et	-0.4%	+1.85%	Add
39	FIXD	First Trust Smith Opportunis	-0.6%	-18.91%	Trim
40	CALF	Pcr US Sm Cp Csh Cws Etf-usd	-0.7%	-17.46%	Trim
41	SCHD	Schwab US Dvd Equity ETF	-1.2%	-2.06%	Trim
42	SCHG	Schwab US Large-cap Growth	—	NEW	New buy
43	SSB	Southstate Bank CORP	—	NEW	New buy
44	VEA	Vanguard Ftse Developed ETF	—	EXIT	Sold out
45	VNOM	Viper Energy Inc-cl A	—	NEW	New buy
46	KOLD	Proshares Ultrashort Bloombe	—	EXIT	Sold out
47	VPLS	Vanguard Core-plus Bond ETF	—	NEW	New buy
48	ORCL	Oracle CORP	—	NEW	New buy
49	OKLO	Oklo INC	—	NEW	New buy
50	BFST	Business First Bancshares	—	EXIT	Sold out