W
Winyah Financial Services, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$2,619,000
Clients
8
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
8
Very LowAverage account size
$327,375
About
Winyah Financial Services provides investment supervisory services and consulting to individual (non‑high‑net‑worth) clients, offering individualized portfolio management as well as estate, retirement and insurance-related advice. As of December 31, 2025 the firm reported $2,619,000 under management on a non‑discretionary basis across eight clients.
The firm develops client investment policies through a data‑gathering process that considers objectives, time horizon and risk tolerance, and it principally employs fundamental analysis and a long‑term purchase approach while providing ongoing monitoring and at least quarterly reviews. Engagements are generally non‑discretionary, requiring client approval for transactions, and services may be billed on an asset‑based or hourly basis.
Distinctively, the firm’s principal also serves as an independent insurance agent and implements insurance and annuity transactions for clients for separate, commission‑based compensation, a related activity the brochure indicates consumes roughly 40% of the principal’s time and is disclosed as a potential conflict of interest. The brochure also discloses a 2024 administrative consent order addressing recordkeeping deficiencies under which the firm agreed to refrain from conducting advisory activities in one state for five years; the firm has provided advisory services since 1994.
Client services
Portfolio management
Consulting
Expertise
Annuities
Fee options
$0 - $499,999: 2.00% $500,000 - $999,999: 1.50% $1,000,000 - $1,999,999: 1.00% $2,000,000 - $3,999,999: 0.75% $4,000,000 - $9,999,999: 0.60%
$175/hour for investment advisory and consulting services
Fee-only: Hourly rate of $175/hour for investment advisory or consulting services
Main office location
Winyah Financial Services, LLC
Georgetown SC, United States
Number of offices
1
Most active in
Winyah Financial Services, LLC has reported serving >5 clients in these states in the last 12 months.
South Carolina · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")