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William Howard & Co Financial Advisors Inc

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13F filer, CIK 2023493, MEMPHIS, TN

William Howard & Co Financial Advisors Inc reported $117,512,460 across 56 holdings for the quarter ended 2025-09-30, in a 13F-HR filed 2025-10-21. Its ten largest share positions make up 73.49% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0002063364-25-000242

Period
2025-09-30
Reported value
$118M
Holdings
56
Top 10 weight
73.49%
New
2
Sold out
2

Largest buys vs the previous quarter

SecurityShares changeApprox. value
IBITnew+3,638$236K
EEMnew+4,051$216K
BNDadded+511$38K
VTIadded+44$14.4K
PFFadded+274$8.66K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
IVVreduced-2,188-$1.46M
IEFreduced-5,464-$527K
AAPLreduced-1,085-$276K
IWVreduced-705-$267K
IWCexited-1,897-$242K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q3 2025

Share positions as resolved from 13F-HR 0002063364-25-000242, largest first. % of portfolio is the value over $117,512,460, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 48,543 shares; 2024Q4: 46,595 shares; 2025Q1: 44,007 shares; 2025Q2: 43,361 shares; 2025Q3: 41,173 shares 41,173$27.6M23.45%-2,188Timeline
IEFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 160,781 shares; 2024Q4: 138,502 shares; 2025Q1: 138,203 shares; 2025Q2: 137,992 shares; 2025Q3: 132,528 shares 132,528$12.8M10.88%-5,464Timeline
IWMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 47,645 shares; 2024Q4: 47,948 shares; 2025Q1: 47,548 shares; 2025Q2: 48,120 shares; 2025Q3: 47,496 shares 47,496$11.5M9.78%-624Timeline
ICFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 158,785 shares; 2024Q4: 156,941 shares; 2025Q1: 158,720 shares; 2025Q2: 160,195 shares; 2025Q3: 159,756 shares 159,756$9.84M8.38%-439Timeline
IWVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,056 shares; 2024Q4: 16,041 shares; 2025Q1: 14,904 shares; 2025Q2: 15,025 shares; 2025Q3: 14,320 shares 14,320$5.43M4.62%-705Timeline
IEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 52,218 shares; 2024Q4: 59,006 shares; 2025Q1: 56,364 shares; 2025Q2: 55,332 shares; 2025Q3: 55,092 shares 55,092$4.81M4.09%-240Timeline
BNDVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 56,136 shares; 2024Q4: 56,757 shares; 2025Q1: 57,363 shares; 2025Q2: 58,633 shares; 2025Q3: 59,144 shares 59,144$4.4M3.74%+511Timeline
IUSGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 22,566 shares; 2024Q4: 22,566 shares; 2025Q1: 22,566 shares; 2025Q2: 22,566 shares; 2025Q3: 22,566 shares 22,566$3.71M3.16%0Timeline
IEIISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 32,364 shares; 2024Q4: 29,193 shares; 2025Q1: 29,113 shares; 2025Q2: 29,126 shares; 2025Q3: 29,138 shares 29,138$3.48M2.96%+12Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 31,046 shares; 2024Q4: 31,023 shares; 2025Q1: 31,023 shares; 2025Q2: 31,076 shares; 2025Q3: 30,541 shares 30,541$2.85M2.43%-535Timeline
VEAVANGUARD TAX-MANAGED FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 36,439 shares; 2024Q4: 36,699 shares; 2025Q1: 36,429 shares; 2025Q2: 36,567 shares; 2025Q3: 35,646 shares 35,646$2.14M1.82%-921Timeline
SYKSTRYKER CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,490 shares; 2024Q4: 5,490 shares; 2025Q1: 5,490 shares; 2025Q2: 5,490 shares; 2025Q3: 5,490 shares 5,490$2.03M1.73%0Timeline
APHAMPHENOL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 14,760 shares; 2024Q4: 13,914 shares; 2025Q1: 13,914 shares; 2025Q2: 13,914 shares; 2025Q3: 13,914 shares 13,914$1.72M1.47%0Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,808 shares; 2024Q4: 8,049 shares; 2025Q1: 7,817 shares; 2025Q2: 7,818 shares; 2025Q3: 6,733 shares 6,733$1.71M1.46%-1,085Timeline
SHYISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 20,248 shares; 2024Q4: 20,302 shares; 2025Q1: 20,329 shares; 2025Q2: 20,369 shares; 2025Q3: 20,409 shares 20,409$1.69M1.44%+40Timeline
TIPISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,914 shares; 2024Q4: 14,563 shares; 2025Q1: 14,563 shares; 2025Q2: 13,251 shares; 2025Q3: 13,323 shares 13,323$1.48M1.26%+72Timeline
VNQVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 14,065 shares; 2024Q4: 14,457 shares; 2025Q1: 14,563 shares; 2025Q2: 15,086 shares; 2025Q3: 14,996 shares 14,996$1.37M1.17%-90Timeline
IEMGISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 17,333 shares; 2024Q4: 17,253 shares; 2025Q1: 17,952 shares; 2025Q2: 17,629 shares; 2025Q3: 17,103 shares 17,103$1.13M0.96%-526Timeline
VNQIVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 25,336 shares; 2024Q4: 22,555 shares; 2025Q1: 22,555 shares; 2025Q2: 22,434 shares; 2025Q3: 22,434 shares 22,434$1.07M0.91%0Timeline
QQQINVESCO QQQ TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,806 shares; 2024Q4: 1,775 shares; 2025Q1: 1,720 shares; 2025Q2: 1,691 shares; 2025Q3: 1,692 shares 1,692$1.02M0.86%+1Timeline
IWFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,012 shares; 2024Q4: 2,014 shares; 2025Q1: 2,016 shares; 2025Q2: 2,018 shares; 2025Q3: 2,020 shares 2,020$946K0.81%+2Timeline
AGGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 11,939 shares; 2024Q4: 9,462 shares; 2025Q1: 9,462 shares; 2025Q2: 9,340 shares; 2025Q3: 9,340 shares 9,340$936K0.8%0Timeline
PFFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,160 shares; 2024Q4: 27,500 shares; 2025Q1: 28,758 shares; 2025Q2: 27,491 shares; 2025Q3: 27,765 shares 27,765$878K0.75%+274Timeline
CTBICOMMUNITY TR BANCORP INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 15,610 shares; 2024Q4: 15,593 shares; 2025Q1: 15,593 shares; 2025Q2: 15,593 shares; 2025Q3: 15,557 shares 15,557$870K0.74%-36Timeline
IUSVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,520 shares; 2024Q4: 8,520 shares; 2025Q1: 8,520 shares; 2025Q2: 8,056 shares; 2025Q3: 8,056 shares 8,056$805K0.69%0Timeline
IWDISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,762 shares; 2024Q4: 3,782 shares; 2025Q1: 3,798 shares; 2025Q2: 3,815 shares; 2025Q3: 3,832 shares 3,832$780K0.66%+17Timeline
FRDMEA SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,156 shares; 2024Q4: 16,201 shares; 2025Q1: 16,025 shares; 2025Q2: 16,137 shares; 2025Q3: 15,811 shares 15,811$701K0.6%-326Timeline
SCZISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,945 shares; 2024Q4: 9,454 shares; 2025Q1: 9,454 shares; 2025Q2: 9,487 shares; 2025Q3: 8,479 shares 8,479$650K0.55%-1,008Timeline
VUSBVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 12,476 shares; 2024Q4: 12,476 shares; 2025Q1: 12,476 shares; 2025Q2: 12,476 shares; 2025Q3: 12,476 shares 12,476$624K0.53%0Timeline
FBNDFIDELITY MERRIMACK STR TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 6,935 shares; 2024Q4: 12,964 shares; 2025Q1: 12,964 shares; 2025Q2: 12,964 shares; 2025Q3: 12,964 shares 12,964$599K0.51%0Timeline
ITOTISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,073 shares; 2024Q4: 3,057 shares; 2025Q1: 2,945 shares; 2025Q2: 3,957 shares; 2025Q3: 3,904 shares 3,904$569K0.48%-53Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,011 shares; 2024Q4: 1,078 shares; 2025Q1: 1,080 shares; 2025Q2: 1,080 shares; 2025Q3: 925 shares 925$567K0.48%-155Timeline
IJHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 9,021 shares; 2024Q4: 9,039 shares; 2025Q1: 8,358 shares; 2025Q2: 8,139 shares; 2025Q3: 8,150 shares 8,150$532K0.45%+11Timeline
VVISA INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,082 shares; 2024Q4: 1,082 shares; 2025Q1: 1,082 shares; 2025Q2: 1,082 shares; 2025Q3: 1,082 shares 1,082$369K0.31%0Timeline
IJRISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,269 shares; 2024Q4: 3,270 shares; 2025Q1: 3,271 shares; 2025Q2: 3,271 shares; 2025Q3: 3,102 shares 3,102$369K0.31%-169Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,046 shares; 2024Q4: 1,046 shares; 2025Q1: 1,057 shares; 2025Q2: 1,071 shares; 2025Q3: 1,115 shares 1,115$366K0.31%+44Timeline
CRWDCROWDSTRIKE HLDGS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 680 shares; 2025Q1: 680 shares; 2025Q2: 680 shares; 2025Q3: 680 shares 680$333K0.28%0Timeline
FNDFSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 7,333 shares; 2024Q4: 7,553 shares; 2025Q1: 7,553 shares; 2025Q2: 7,593 shares; 2025Q3: 7,593 shares 7,593$326K0.28%0Timeline
SCHASCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,730 shares; 2024Q4: 11,347 shares; 2025Q1: 11,374 shares; 2025Q2: 11,411 shares; 2025Q3: 11,448 shares 11,448$319K0.27%+37Timeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 2,126 shares; 2025Q1: 2,570 shares; 2025Q2: 2,580 shares; 2025Q3: 1,650 shares 1,650$308K0.26%-930Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,472 shares; 2024Q4: 5,520 shares; 2025Q1: 5,522 shares; 2025Q2: 5,527 shares; 2025Q3: 5,538 shares 5,538$300K0.26%+11Timeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,592 shares; 2024Q4: 10,595 shares; 2025Q1: 10,628 shares; 2025Q2: 10,660 shares; 2025Q3: 10,689 shares 10,689$282K0.24%+29Timeline
AVLVAMERICAN CENTY ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,700 shares; 2024Q4: 3,717 shares; 2025Q1: 3,732 shares; 2025Q2: 3,747 shares; 2025Q3: 3,757 shares 3,757$271K0.23%+10Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 616 shares; 2025Q2: 616 shares; 2025Q3: 505 shares 505$262K0.22%-111Timeline
IWOISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,823 shares; 2024Q4: 1,148 shares; 2025Q1: 980 shares; 2025Q2: 958 shares; 2025Q3: 814 shares 814$261K0.22%-144Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,081 shares; 2024Q4: 8,329 shares; 2025Q1: 8,124 shares; 2025Q2: 8,132 shares; 2025Q3: 8,139 shares 8,139$260K0.22%+7Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,035 shares; 2024Q4: 1,801 shares; 2025Q1: 1,796 shares; 2025Q2: 1,813 shares; 2025Q3: 1,147 shares 1,147$252K0.21%-666Timeline
IBMINTERNATIONAL BUSINESS MACHSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 887 shares; 2025Q2: 887 shares; 2025Q3: 887 shares 887$250K0.21%0Timeline
SCHVSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,743 shares; 2024Q4: 8,274 shares; 2025Q1: 8,319 shares; 2025Q2: 8,362 shares; 2025Q3: 8,405 shares 8,405$245K0.21%+43Timeline
IBITISHARES BITCOIN TRUST ETFQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 3,638 shares 3,638$236K0.2%newTimeline
IWNISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,289 shares; 2024Q4: 1,289 shares; 2025Q1: not reported; 2025Q2: 1,289 shares; 2025Q3: 1,289 shares 1,289$228K0.19%0Timeline
MCOMOODYS CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 475 shares; 2024Q4: 475 shares; 2025Q1: 475 shares; 2025Q2: 475 shares; 2025Q3: 475 shares 475$226K0.19%0Timeline
VVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: 713 shares; 2025Q3: 715 shares 715$220K0.19%+2Timeline
VIOOVANGUARD ADMIRAL FDS INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,959 shares; 2024Q4: 1,988 shares; 2025Q1: not reported; 2025Q2: 1,988 shares; 2025Q3: 1,988 shares 1,988$220K0.19%0Timeline
EEMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 4,051 shares 4,051$216K0.18%newTimeline
BRK-BBERKSHIRE HATHAWAY INC DELQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 529 shares; 2024Q4: 464 shares; 2025Q1: 604 shares; 2025Q2: 604 shares; 2025Q3: 428 shares 428$215K0.18%-176Timeline

Sold out in Q3 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
IWCISHARES TR1,897$242Kshares
METAMETA PLATFORMS INC316$233Kshares

How Q3 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0002063364-25-000242 base2025-10-21acceptance time not in the bulk data set