Howard Financial Services, Ltd. Portfolio Holdings

Howard Financial Services, Ltd.

$801 Million
Q3 2025

Howard Financial Services, Ltd. has filed its 13F form on October 23, 2025 for Q3 2025 where it was disclosed a total value porftolio of $801 Million distributed in 199 stocks.

Among their holdings, we can observe that their the top five positions include companies like: Ishares Msci Usa Quality Facto with a value of $98.3M, Schwab Strategic Tr Us Dividen with a value of $54.3M, Invesco Exchange Traded Fd Tr with a value of $39.2M, Invesco S&P 500 Equal Weight E with a value of $37.3M, and Invesco Actively Managed ETF T with a value of $34.4M.

Examining the 13F form we can see an increase of $50.8M in the current position value, from $750M to 801M.

Below you can find more details about Howard Financial Services, Ltd. portfolio as well as his latest detailed transactions.

Portfolio value $801 Million

ETFs: $643 Million

Technology: $75.7 Million

Energy: $22.8 Million

Financial Services: $18.5 Million

Consumer Cyclical: $15.4 Million

Consumer Defensive: $7.21 Million

Communication Services: $6.46 Million

Industrials: $5.28 Million

Other: $6.22 Million

Stock Holdings Table ETFs Only

Stock	Market Cap.	Holding Value (Reported)	# of Shares.	Last Trade
QUAL Ishares Msci Usa Quality Facto ETFs	$0	$98.3 Million 12.27% of portfolio	505,170	Q3 2025 Added 1.65%
SCHD Schwab Strategic Tr Us Dividen ETFs	$0	$54.3 Million 6.78% of portfolio	1,990,249	Q3 2025 Reduced 2.06%
SPGP Invesco Exchange Traded Fd Tr ETFs	$0	$39.2 Million 4.89% of portfolio	344,943	Q3 2025 Reduced 0.36%
RSP Invesco S&P 500 Equal Weight E ETFs	$0	$37.3 Million 4.65% of portfolio	196,402	Q3 2025 Reduced 1.18%
GTO Invesco Actively Managed ETF T ETFs	$0	$34.4 Million 4.3% of portfolio	724,927	Q3 2025 Added 1.85%
VIG Vanguard Dividend Appreciation ETFs	$0	$34.4 Million 4.29% of portfolio	188,677	Q3 2025 Added 2.14%
HTRB Hartford Fds Total Return Bd E ETFs	$0	$30.8 Million 3.85% of portfolio	899,040	Q3 2025 Added 1.49%
DGRW Wisdomtree Tr Us Quality Divid ETFs	$0	$30.4 Million 3.8% of portfolio	341,850	Q3 2025 Added 2.23%
PTRB Pgim ETF Tr Total Return Bd Et ETFs	$0	$28.6 Million 3.57% of portfolio	677,420	Q3 2025 Added 1.89%

SJNK Spdr Bloomberg Short Term High ETFs	$0	$22.2 Million 2.77% of portfolio	868,000	Q3 2025 Added 3.05%
TOTL Ssga Active ETF Tr Spdr Doblel ETFs	$0	$21.1 Million 2.63% of portfolio	519,430	Q3 2025 Reduced 1.33%
IQLT Ishares Msci Intl Quality Fact ETFs	$0	$19.5 Million 2.43% of portfolio	440,223	Q3 2025 Reduced 0.26%
ANGL Vaneck ETF Tr Fallen Angel Hig ETFs	$0	$17.5 Million 2.18% of portfolio	587,331	Q3 2025 Added 6.23%
SCHG Schwab Strategic Tr Us Large C ETFs	$0	$16.7 Million 2.09% of portfolio	524,856	Q3 2025 Added 81.05%
FNDF Schwab Fundamental Intl Large ETFs	$0	$16.3 Million 2.03% of portfolio	378,674	Q3 2025 Added 0.64%
SPY Spdr S&P 500 ETF Trust ETFs	$0	$15.9 Million 1.99% of portfolio	23,873	Q3 2025 Added 0.1%
RDVY First Trust Rising Dividend Ac ETFs	$0	$15.4 Million 1.92% of portfolio	228,966	Q3 2025 Added 7.89%
VIGI Vanguard Whitehall Fds Intl Di ETFs	$0	$15.2 Million 1.89% of portfolio	169,310	Q3 2025 Reduced 0.84%

XSOE Wisdomtree Tr Emerging Mkts Ex ETFs	$0	$11.4 Million 1.43% of portfolio	301,603	Q3 2025 Reduced 0.91%
QQQ Invesco Qqq Trust, Series 1 ETFs	$0	$10.4 Million 1.3% of portfolio	17,387	Q3 2025 Reduced 0.05%
CALF Pacer Fds Tr Pacer Us Small Ca ETFs	$0	$10.4 Million 1.3% of portfolio	238,585	Q3 2025 Reduced 17.46%
MOAT Vaneck Morningstar Wide Moat E ETFs	$0	$7.28 Million 0.91% of portfolio	84,825	Q3 2025 Reduced 1.7%
FPE First Tr Pfd Secs & Income ETF ETFs	$0	$6.7 Million 0.84% of portfolio	367,399	Q3 2025 Reduced 7.53%
FIXD First Tr ETF Viii Tcw Opportun ETFs	$0	$4.65 Million 0.58% of portfolio	104,636	Q3 2025 Reduced 18.91%
IVV Ishares Core S&P 500 ETF ETFs	$0	$4.38 Million 0.55% of portfolio	6,539	Q3 2025 Added 0.29%
VTI Vanguard Total Stock Market Et ETFs	$0	$3.58 Million 0.45% of portfolio	10,909	Q3 2025 Added 0.2%
RODM Hartford Multifactor Developed ETFs	$0	$3.3 Million 0.41% of portfolio	92,806	Q3 2025 Reduced 0.87%
JPST Jp Morgan ETF Tr Ultra Short I ETFs	$0	$3.19 Million 0.4% of portfolio	62,873	Q3 2025 Added 0.0%
BSV Vanguard Bd Index Fd Inc Short ETFs	$0	$3 Million 0.37% of portfolio	37,982	Q3 2025 Reduced 3.84%
SCHE Schwab Strategic Tr Us Emergin ETFs	$0	$2.7 Million 0.34% of portfolio	80,923	Q3 2025 Reduced 1.62%
SCHF Schwab Strategic Tr Intl Eqty ETFs	$0	$2.35 Million 0.29% of portfolio	100,953	Q3 2025 Added 0.79%
IEFA Ishares Tr ETFs	$0	$1.7 Million 0.21% of portfolio	19,522	Q3 2025 Reduced 0.03%
BIL Spdr Bloomberg 1 3 Month T Bil ETFs	$0	$1.68 Million 0.21% of portfolio	18,283	Q3 2025 Reduced 0.23%
JEPI J P Morgan Exchange Traded Fd ETFs	$0	$1.19 Million 0.15% of portfolio	20,757	Q3 2025 Added 0.27%
FNDA Schwab Fundamental U S Small C ETFs	$0	$1.15 Million 0.14% of portfolio	36,819	Q3 2025 Added 0.19%
TQQQ Proshares Ultrapro Qqq ETFs	$0	$1.05 Million 0.13% of portfolio	10,125	Q2 2025 Added 23.48%
SPDW Spdr Ser Tr Fds Spdr Portfolio ETFs	$0	$959,000 0.12% of portfolio	22,431	Q2 2025 Reduced 27.17%
GLD Spdr Gold Trust ETFs	$130B	$819,000 0.1% of portfolio	2,306	Q3 2025 Reduced 2.54%
ESGU Ishares Trust Ishares Esg Awar ETFs	$0	$692,000 0.09% of portfolio	4,756	Q3 2025 Added 0.23%
JEPQ J P Morgan ETF Tr Nasdaq Equit ETFs	$0	$710,000 0.09% of portfolio	12,353	Q3 2025 Added 0.31%
IGSB Ishares Trust Ishares 1 5 Year ETFs	$0	$751,000 0.09% of portfolio	14,173	Q3 2025 Added 40.35%
IEMG Ishares Inc ETFs	$0	$628,000 0.08% of portfolio	11,720	Q3 2025 Reduced 0.01%
VOO Vanguard Index Fds S&P 500 ETF ETFs	$0	$611,000 0.08% of portfolio	999	Q3 2025 Added 5.49%
IJH Ishares Core S&P Mid Cap ETF ETFs	$0	$584,000 0.07% of portfolio	8,952	Q3 2025 Added 0.21%
IVW Ishares S&P 500 Growth ETF ETFs	$0	$570,000 0.07% of portfolio	4,729	Q3 2025 Added 0.11%
SLYV Spdr S&P 600 Small Cap Value E ETFs	$0	$477,000 0.06% of portfolio	5,391	Q3 2025 Reduced 0.55%
SPYD Spdr Portfolio S&P 500 High Di ETFs	$0	$492,000 0.06% of portfolio	11,194	Q3 2025 Added 1.12%
IAU Ishares Gold Trust ETFs	$65.3B	$462,000 0.06% of portfolio	6,358	Q2 2025 Reduced 20.76%
QQQM Invesco Exchange Traded Fd Tr ETFs	$0	$509,000 0.06% of portfolio	2,060	Q3 2025 Added 0.1%
LEAD Siren Divcon Leaders Dividend ETFs	$0	$494,000 0.06% of portfolio	6,495	Q3 2025 Reduced 3.29%

Summary

Portfolio
No. of Stocks 199
Current Value $801 Million
Prior Value $750 Million
Filing
Period Q3 2025
Filing Date October 23, 2025
Form Type 13F-HR
Activity in Q3 2025
New Purchases 22 stocks
Additional Purchases 98 stocks
Sold out of 0 stocks
Reduced holdings in 49 stocks

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Howard Financial Services, Ltd. Portfolio Holdings