13F filer

Howard Financial Services

As of Sep 30, 2026 Filed Oct 15, 2026 CIK 1768130 SEC filings ↗

Some historical filing data is unverified. Quarter-over-quarter changes and 4Q trends crossing Jun 30, 2026 are hidden until SEC replay succeeds. Current verified holdings remain available.

13F Value

$954.3M

Positions

234

Top Position

QUAL11.3%

Top 5

30.9%

Latest filing changes

1 QUAL iShares MSCI USA Quality Factor ETF 11.3%

2 SCHD Schwab U.S. Dividend Equity ETF 6.7%

3 VIG Vanguard Dividend Appreciation Index Fund — ETF Shares 4.7%

4 SPGP Invesco S&P 500 GARP ETF 4.2%

5 DGRW Wisdomtree Tr — US Qtly Div Grt 4.0%

Holdings234

#							Trend (4Q)
1	QUAL iShares MSCI USA Quality Factor ETF	11.3%	$108.1M	—	486.3K	—	—	ETF
2	SCHD Schwab U.S. Dividend Equity ETF	6.7%	$63.8M	—	1.96M	—	—	ETF
3	VIG Vanguard Dividend Appreciation Index Fund — ETF Shares	4.7%	$45.1M	—	193.2K	—	—	ETF
4	SPGP Invesco S&P 500 GARP ETF	4.2%	$39.7M	—	334.5K	—	—	ETF
5	DGRW Wisdomtree Tr — US Qtly Div Grt	4.0%	$37.9M	—	389.3K	—	—	Equity
6	RSP Invesco S&P 500 Equal Weight ETF	3.9%	$37.6M	—	180.5K	—	—	ETF
7	GTO Invesco Total Return Bond ETF	3.7%	$35.7M	—	801.0K	—	—	ETF
8	HTRB Hartford Total Return Bond ETF	3.6%	$34.3M	—	1.07M	—	—	ETF
9	AAPL Apple	3.4%	$32.2M	—	96.6K	—	—	Common Stock
10	SCHG Schwab U.S. Large-Cap Growth ETF	3.4%	$32.0M	—	890.0K	—	—	ETF
11	PTRB PGIM Total Return Bond ETF	3.3%	$31.4M	—	796.7K	—	—	ETF
12	IQLT iShares MSCI Intl Quality Factor ETF	2.7%	$26.0M	—	526.1K	—	—	ETF
13	FNDF Schwab Fundamental International Equity ETF	2.6%	$24.8M	—	460.7K	—	—	ETF
14	RDVY First Trust Rising Dividend Achievers ETF	2.4%	$22.9M	—	292.5K	—	—	ETF
15	ANGL VanEck Fallen Angel High Yield Bond ETF	2.1%	$19.7M	—	708.5K	—	—	ETF
16	VIGI Vanguard International Dividend Appreciation Index Fund — ETF Shares	1.9%	$18.3M	—	194.0K	—	—	ETF
17	XSOE Wisdomtree Tr — Em Ex St-Owned	1.9%	$18.1M	—	386.0K	—	—	Equity
18	SJNK State Street(R) SPDR Bloomberg Short Term High Yield Bond ETF	1.9%	$17.9M	—	738.0K	—	—	ETF
19	VPLS Vanguard Core-Plus Bond ETF — ETF Shares	1.8%	$17.3M	—	234.1K	—	—	ETF
20	NVDA NVIDIA	1.5%	$14.0M	—	61.4K	—	—	Common Stock

Change compares with the prior filing. Prior % is the share of the portfolio in that filing. Trend shows the quantity held in each of the last four filings: green rose, red fell, grey unchanged.