Windham Financial Services, Inc.

Windham Financial Services provides discretionary portfolio management and investment consulting to individuals, retirement and profit‑sharing plan participants, trusts, business entities and institutional clients. The firm manages portfolios using a range of instruments — including stocks, bonds, mutual funds, ETFs and option strategies — and operates on a discretionary basis for its managed accounts.

The firm’s investment process combines quantitative computer‑based models, charting and fundamental/technical research with a floating (rather than fixed) asset allocation approach, rebalancing and explicit risk‑management rules. Tactical measures include moving to cash or using hedges when models indicate rising market risk, and employing income or speculative option strategies such as covered calls, buys of puts/calls and covered puts as appropriate.

A distinctive feature is the firm’s explicit, active use of derivatives and structured ETF products within separately managed accounts — including inverse ETFs (limited to roughly 10% portfolio exposure and monitored daily), Buffered (Defined Outcome) ETFs and option strategies for hedging and income — an approach that is uncommon among peers. The brochure also emphasizes the firm’s long history with quantitative trading programs, a small advisory team serving both retail and institutional clients, and operational reliance on a single qualified custodian for custody and fee processing.