Howard Financial Services, Ltd.
Annual return '25
+153.8%
SPY '25
+17.7%
Alpha
+136.0ptsvs SPY
Invested
$888M
Holdings
222
Trades YTD
0
Performance · Fund vs SPY
Cumulative return · quarterly snapshotsCoverage 86%. 4 quarters of 2025 measured against SPY adj-close benchmark.
Top holdings · current snapshot
Source: 13F-HR01
$QUAL
ISHARES TR
Held since at least Q1 2024
10.9%
02
$SCHD
SCHWAB STRATEGIC TR
Held since at least Q1 2024
6.7%
03
$VIG
VANGUARD SPECIALIZED FUNDS
Held since at least Q1 2024
4.9%
04
$RSP
INVESCO EXCHANGE TRADED FD T
Held since at least Q1 2024
4.2%
05
$SPGP
INVESCO EXCHANGE TRADED FD T
Held since at least Q1 2024
4.1%
06
$GTO
INVESCO ACTIVELY MANAGED EXC
Held since at least Q1 2024
4.1%
07
$AAPL
APPLE INC
Q1 2026: New position (8.1k shares)
3.9%
08
$HTRB
HARTFORD FDS EXCHANGE TRADED
Held since at least Q1 2024
3.8%
09
$DGRW
WISDOMTREE TR
Held since at least Q1 2024
3.7%
10
$PTRB
PGIM ETF TR
Held since at least Q1 2024
3.6%
Recent trades · Last 90 days
No Form 4 / 13D / 13G trade events on file in the recent window. 13F filers report position snapshots quarterly rather than per-trade events, so this section is most useful for managers who also file Form 4 or 13D/G.
Convergence · Pattern Engine ships in v1.1
30-day windowIn development
Convergence participation lands with the Pattern Engine.
Once the Pattern Engine ships, this section will list every active convergence event this fund is named in — with the other named funds, the Congress members on the same name, and combined position size.
Source data: SEC EDGAR · 13F-HR filings · Performance through 2025-12-31 · Last refreshed 10:14 UTC.