Firm Size
Services Offered
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management of Pooled Investment Vehicles
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Investment Companies
- Charitable Organizations
- Corporations or Other Businesses Not Listed Above
- Other
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Performance-based Fees
Windsor Securities Inc Overview
WINDSOR SECURITIES INC is a fee only advisory firm that has been providing investment advice since 1976. The firm's headquarters are located in Ardmore, PA. As a registered investment advisory firm, WINDSOR SECURITIES INC specializes in portfolio management for both individuals and small businesses. Their services also extend to the management of pooled investment vehicles. In addition to providing investment advice, WINDSOR SECURITIES INC is also an insurance broker/agent, offering clients a wide range of insurance options to choose from. As a result, clients can rest assured that they are receiving comprehensive investment advice that takes into account all aspects of their financial well-being, not just their investment portfolios. Whether you are an individual looking to invest your hard-earned money or a small business hoping to boost your financial returns, WINDSOR SECURITIES INC has the portfolio management expertise to help you achieve your goals. Their commitment to providing fee only advisory services ensures that their advice is always unbiased and in the client's best interests.
WINDSOR SECURITIES INC caters to a diverse range of clientele in every sphere of investment. Whether you're an individual investor looking to grow your wealth or a high net worth individual seeking personalized investment solutions, WINDSOR SECURITIES INC can provide the services you need. The firm also serves investment companies, charitable organizations, and other corporate structures seeking to secure their financial futures. Additionally, the firm accommodates other types of clients not explicitly mentioned here. When it comes to the fee structures available at WINDSOR SECURITIES INC, the firm offers a range of options, depending on the type of service provided. Clients can choose a percentage of assets under management (AUM) for the management of their accounts. The firm also provides performance-based fees, another model of payment that aligns the interests of both the investor and the portfolio manager. This fee structure incentivizes fund managers to maximize returns for their clients' portfolios. WINDSOR SECURITIES INC's experienced advisors will work with clients to create custom investment plans and fees that best fit their needs, ensuring a mutually beneficial partnership aimed at wealth creation.
Typical Clients, Fee Structures & Investment Minimum
According to the note about investment minimums in their Part 2 Brochure, Windsor Securities Inc has a minimum account size of $50,000 for mutual funds and variable insurance products, unless otherwise negotiated.
How This Office Can Help Ardmore, PA Residents
As a financial services firm, Windsor Securities, Inc. provides a range of services to clients in Ardmore, PA, and surrounding areas. Some of the specific financial situations individuals in Ardmore might be facing include retirement planning and investment management, debt management, and estate planning. For those nearing retirement, Windsor Securities can help create a customized plan that takes into account their unique goals, risk tolerance, and financial situation. They can also assist in managing investments and maximizing returns while minimizing risk. For those struggling with debt, Windsor Securities can provide guidance on consolidating and paying off debt, as well as creating a budget and developing better financial habits to avoid future debt issues. Additionally, their estate planning services can help clients protect their assets and ensure their wishes are carried out in the event of incapacity or death. Overall, Windsor Securities, Inc. offers a variety of financial solutions to help clients in Ardmore, PA, reach their financial goals and navigate life's challenges.
Services Offered by Windsor Securities Inc
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Windsor Securities Inc most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Unavailable
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Subscription (Newsletter or Periodical)
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
This firm has no other locations.
Disciplinary History
Windsor Securities Inc does not have any disclosures. Please visit it's Form ADV for more details.