Willoughby, OH Office

W&S Advisory Services, LLC serves parents and other custodians through a digital-first UGMA wrap-fee program delivered via Fabric’s platform, and also offers standalone comprehensive financial planning through agents of Western & Southern Life. The UGMA program is structured for custodial accounts with the parent/custodian as the client and the named minor as beneficiary, while financial planning covers investment, retirement, insurance, and education funding.

Clients select one of five model portfolios through an online questionnaire and W&S, with Fort Washington Investment Advisors acting as sub‑adviser, implements non‑discretionary, automated model allocations composed of affiliated and third‑party mutual funds and ETFs vetted by FWIA’s due diligence committee. The firm notes it does not rely on artificial intelligence or robo‑advice for model management and provides advance notice with an opportunity for clients to change portfolios when models are updated.

Noteworthy aspects include its placement within the Western & Southern Financial Group family and explicit affiliations with broker‑dealers and other registered investment advisers (including Fort Washington), its use of a fintech solicitor (Fabric) with custody and funding facilitated through Apex and Dwolla, and its wrap‑fee UGMA structure that uses fixed fees rather than percentage‑of‑AUM billing. The combination of a relatively large client count alongside modest assets under management and a platform-driven custody/onboarding model distinguishes it from many advisory teams that rely primarily on AUM-based fees and traditional advisor-led onboarding.