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About WM Financial Strategies

  Summary of Qualifications  - A brief description of
       the experience, expertise and qualifications of
       WM Financial Strategies.

  Background - A description of the history of WM
       Financial Strategies and its current financial
       advisory activities.

  Resume - Resume for Joy A. Howard, principal of
       WM Financial Strategies.

  Services - An outline summary of the services
       provided by WM Financial Strategies. Further
       service details are provided for the following:

  General Obligation Bonds

  Lease Financing

  Experience - Municipal bond issues for which
       WM Financial Strategies has served as financial

News and Commentary

  News - Relating to the municipal bond market,
       economy and public finance.

  Commentary - Relating to public finance.

  Cox Missing in Action

  Bonds Gone Wild

  Competitive Bonds Sales - Is Saving Taxpayer's Money too Much Work?

  Too Many Economic Development Incentives?

  Election Contributions May Equate to Pay-to-Play

Home Page

  The Home Page - pictures of projects financed by WM Financial Strategies.


  Resources -  Articles and other information for
       mayors, council members, board members, city
       managers, school superintendents, and other
       elected and appointed public officials.

  Bank Qualified Bonds

  Bond Pricing - The Problem with Premium

  Bond Sale Methods (Competitive or Negotiated)

  Bonds Gone Wild - Recent Trends in the
     Municipal Bond Market

  Capital Planning

  Comparable Sales - The Fallacy of Comparable
     Bond Sales


  Economic Indicators and Release Dates

  Illinois Bond Elections

  Missouri Bond Elections

  Missouri Lease Financing

  Municipal Bond Disclosure - History,
    Requirements and Services Provided by WMFS

  Municipal Bond Insurance

  Municipal Bond Ratings

  Municipal Bond Underwriting Spreads - How
    Underwriters Make Money

 Rates Over Time - Interest Rate Trends

  MSRB Rule G-23 - Underwriters Prohibited
    from Serving as Financial Advisors

  MSRB Rule G-17 - Underwriters' Role and 

  Municipal Advisor Rule

  Role of a Municipal Advisor

 Links Page - with details of website content:

  Economy, Finance and Capital Markets

  Municipal and Other Bonds

  Federal Government

  Government Finance and Management

  Pertaining to Missouri

  Pertaining to Illinois



About WMFS







Site Map


WM Financial Strategies
11710 Administration Drive
Suite 7
St. Louis, Missouri 63146
Phone (314) 423-2122

DISCLAIMER: The material contained at www.Munibondadvisor.com is for informational purposes only and is not an offer to sell or a solicitation to buy any security. Nothing contained herein should be viewed as investment advice or as constituting a recommendation to buy, hold or sell the obligations referred to herein. WM Financial Strategies is an independent financial advisor serving government entities exclusively and is not a broker dealer. WM Financial Strategies makes recommendations to its governmental clients only after a complete review of their particular financial needs and circumstances and such circumstances and needs often require the additional assistance of nationally  recognized bond counsel or other legal representative.  Links to any external websites are intended for information purposes only and are not an endorsement or concurrence with any opinion, service or product referenced at the site.

Copyright.  Information on this website is the property of WM Financial Strategies.  Reproductions may not be made without the express consent of
WM Financial Strategies.