Howard Financial Services, Ltd. Portfolio Holdings

Howard Financial Services, Ltd.

$830 Million
Q4 2025

Howard Financial Services, Ltd. has filed its 13F form on January 12, 2026 for Q4 2025 where it was disclosed a total value porftolio of $830 Million distributed in 205 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 $98.7M, Schwab Strategic Tr Us Dividen with a value of $53.3M, Invesco Exchange Traded Fd Tr with a value of $37.1M, Invesco S&P 500 Equal Weight E with a value of $35.9M, and Vanguard Dividend Appreciation with a value of $35.7M.

Examining the 13F form we can see an increase of $29.3M in the current position value, from $801M to 830M.

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

Portfolio value $830 Million

ETFs: $661 Million

Technology: $78.4 Million

Energy: $27.4 Million

Financial Services: $19.2 Million

Consumer Cyclical: $15.5 Million

Communication Services: $8.07 Million

Consumer Defensive: $7.51 Million

Healthcare: $6.25 Million

Other: $7.45 Million

Stock Holdings Table ETFs Only

Stock	Market Cap.	Holding Value (Reported)	# of Shares.	Last Trade
QUAL Ishares Msci Usa Quality Facto ETFs	$0	$98.7 Million 11.89% of portfolio	507,751	Q4 2025 Added 0.51%
SCHD Schwab Strategic Tr Us Dividen ETFs	$0	$53.3 Million 6.42% of portfolio	1,955,537	Q4 2025 Reduced 1.74%
SPGP Invesco Exchange Traded Fd Tr ETFs	$0	$37.1 Million 4.47% of portfolio	335,500	Q4 2025 Reduced 2.74%
RSP Invesco S&P 500 Equal Weight E ETFs	$0	$35.9 Million 4.32% of portfolio	191,639	Q4 2025 Reduced 2.43%
VIG Vanguard Dividend Appreciation ETFs	$0	$35.7 Million 4.3% of portfolio	195,818	Q4 2025 Added 3.78%
GTO Invesco Actively Managed ETF T ETFs	$0	$35.2 Million 4.24% of portfolio	741,142	Q4 2025 Added 2.24%
HTRB Hartford Fds Total Return Bd E ETFs	$0	$31.8 Million 3.83% of portfolio	926,744	Q4 2025 Added 3.08%
DGRW Wisdomtree Tr Us Quality Divid ETFs	$0	$31 Million 3.74% of portfolio	349,177	Q4 2025 Added 2.14%
PTRB Pgim ETF Tr Total Return Bd Et ETFs	$0	$30.9 Million 3.72% of portfolio	732,998	Q4 2025 Added 8.2%

TOTL Ssga Active ETF Tr Spdr Doblel ETFs	$0	$21.3 Million 2.56% of portfolio	526,120	Q4 2025 Added 1.29%
SJNK Spdr Bloomberg Short Term High ETFs	$0	$21.2 Million 2.55% of portfolio	839,936	Q4 2025 Reduced 3.23%
SCHG Schwab Strategic Tr Us Large C ETFs	$0	$20.9 Million 2.52% of portfolio	648,561	Q4 2025 Added 23.57%
IQLT Ishares Msci Intl Quality Fact ETFs	$0	$20 Million 2.41% of portfolio	447,563	Q4 2025 Added 1.67%
ANGL Vaneck ETF Tr Fallen Angel Hig ETFs	$0	$18 Million 2.17% of portfolio	615,543	Q4 2025 Added 4.8%
FNDF Schwab Fundamental Intl Large ETFs	$0	$17.5 Million 2.11% of portfolio	391,467	Q4 2025 Added 3.38%
SPY Spdr S&P 500 ETF Trust ETFs	$0	$16.3 Million 1.97% of portfolio	24,546	Q4 2025 Added 2.82%
RDVY First Trust Rising Dividend Ac ETFs	$0	$16.3 Million 1.96% of portfolio	243,410	Q4 2025 Added 6.31%
VIGI Vanguard Whitehall Fds Intl Di ETFs	$0	$15.8 Million 1.9% of portfolio	174,488	Q4 2025 Added 3.06%

XSOE Wisdomtree Tr Emerging Mkts Ex ETFs	$0	$11.9 Million 1.43% of portfolio	306,566	Q4 2025 Added 1.65%
QQQ Invesco Qqq Trust, Series 1 ETFs	$0	$10.5 Million 1.27% of portfolio	17,413	Q4 2025 Added 0.15%
CALF Pacer Fds Tr Pacer Us Small Ca ETFs	$0	$9.14 Million 1.1% of portfolio	210,377	Q4 2025 Reduced 11.82%
JPST Jp Morgan ETF Tr Ultra Short I ETFs	$0	$8.84 Million 1.06% of portfolio	174,653	Q4 2025 Added 177.79%
MOAT Vaneck Morningstar Wide Moat E ETFs	$0	$7.26 Million 0.87% of portfolio	84,591	Q4 2025 Reduced 0.28%
FPE First Tr Pfd Secs & Income ETF ETFs	$0	$6.6 Million 0.79% of portfolio	360,571	Q4 2025 Reduced 1.86%
IVV Ishares Core S&P 500 ETF ETFs	$0	$4.45 Million 0.54% of portfolio	6,585	Q4 2025 Added 0.7%
VTI Vanguard Total Stock Market Et ETFs	$0	$3.94 Million 0.47% of portfolio	11,949	Q4 2025 Added 9.53%
BIL Spdr Bloomberg 1 3 Month T Bil ETFs	$0	$3.86 Million 0.46% of portfolio	42,092	Q4 2025 Added 130.22%
RODM Hartford Multifactor Developed ETFs	$0	$3.4 Million 0.41% of portfolio	93,710	Q4 2025 Added 0.97%
BSV Vanguard Bd Index Fd Inc Short ETFs	$0	$2.82 Million 0.34% of portfolio	35,779	Q4 2025 Reduced 5.8%
FIXD First Tr ETF Viii Tcw Opportun ETFs	$0	$2.75 Million 0.33% of portfolio	62,065	Q4 2025 Reduced 40.68%
SCHE Schwab Strategic Tr Us Emergin ETFs	$0	$2.77 Million 0.33% of portfolio	81,886	Q4 2025 Added 1.19%
SCHF Schwab Strategic Tr Intl Eqty ETFs	$0	$2.43 Million 0.29% of portfolio	101,712	Q4 2025 Added 0.75%
TQQQ Proshares Ultrapro Qqq ETFs	$0	$2.12 Million 0.26% of portfolio	20,250	Q4 2025 Added 100.0%
IGSB Ishares Trust Ishares 1 5 Year ETFs	$0	$1.93 Million 0.23% of portfolio	36,524	Q4 2025 Added 157.7%
IEFA Ishares Tr ETFs	$0	$1.72 Million 0.21% of portfolio	19,379	Q4 2025 Reduced 0.73%
FNDA Schwab Fundamental U S Small C ETFs	$0	$1.12 Million 0.14% of portfolio	36,912	Q4 2025 Added 0.25%
SPDW Spdr Ser Tr Fds Spdr Portfolio ETFs	$0	$981,000 0.12% of portfolio	22,431	Q2 2025 Reduced 27.17%
XLK Technology Sector Spdr ETFs	$0	$1.01 Million 0.12% of portfolio	3,507	Q4 2025 Added 148.55%
GLD Spdr Gold Trust ETFs	$130B	$859,000 0.1% of portfolio	2,287	Q4 2025 Reduced 0.82%
JEPQ J P Morgan ETF Tr Nasdaq Equit ETFs	$0	$716,000 0.09% of portfolio	12,393	Q4 2025 Added 0.32%
XLE Energy Sector Spdr ETFs	$0	$626,000 0.08% of portfolio	6,803	Q4 2025 Added 101.15%
ESGU Ishares Trust Ishares Esg Awar ETFs	$0	$699,000 0.08% of portfolio	4,765	Q4 2025 Added 0.19%
IEMG Ishares Inc ETFs	$0	$627,000 0.08% of portfolio	11,705	Q4 2025 Reduced 0.13%
IVW Ishares S&P 500 Growth ETF ETFs	$0	$572,000 0.07% of portfolio	4,733	Q4 2025 Added 0.08%
VOO Vanguard Index Fds S&P 500 ETF ETFs	$0	$607,000 0.07% of portfolio	984	Q4 2025 Reduced 1.5%
IJH Ishares Core S&P Mid Cap ETF ETFs	$0	$576,000 0.07% of portfolio	8,974	Q4 2025 Added 0.25%
QQQM Invesco Exchange Traded Fd Tr ETFs	$0	$531,000 0.06% of portfolio	2,122	Q4 2025 Added 3.01%
IAU Ishares Gold Trust ETFs	$65.3B	$488,000 0.06% of portfolio	6,352	Q4 2025 Reduced 0.09%
LEAD Siren Divcon Leaders Dividend ETFs	$0	$481,000 0.06% of portfolio	6,397	Q4 2025 Reduced 1.51%
SPYD Spdr Portfolio S&P 500 High Di ETFs	$0	$481,000 0.06% of portfolio	11,194	Q3 2025 Added 1.12%

Summary

Portfolio
No. of Stocks 205
Current Value $830 Million
Prior Value $801 Million
Filing
Period Q4 2025
Filing Date January 12, 2026
Form Type 13F-HR
Activity in Q4 2025
New Purchases 21 stocks
Additional Purchases 120 stocks
Sold out of 0 stocks
Reduced holdings in 45 stocks

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Howard Financial Services, Ltd. Portfolio Holdings