WinCap Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
WinCap Financial provides wealth management, discretionary investment management and financial planning services to individuals, high‑net‑worth individuals, trusts and estates. The firm builds portfolios using ETFs, mutual funds, individual stocks and bonds and also makes referrals to outside specialists when appropriate.
WinCap employs both fundamental and technical analysis and generally pursues a long‑term oriented, customized asset allocation for each client while trading tactically when warranted by market conditions or client needs. The firm discloses sponsorship of a wrap fee program that bundles normal securities transaction costs into its asset‑based advisory fee and bills fees quarterly in advance.
Compared with many peer teams, WinCap operates across multiple offices and discloses payment to third‑party promoters for client referrals and the use of endorsements in its advertising. The brochure also highlights that advisory persons may be licensed insurance professionals who earn commissions for insurance sales and that the firm may invest in higher‑volatility options such as digital assets and cryptocurrency ETFs for clients with appropriate risk tolerances.
Client services
Expertise
Fee options
$0+: 0.50% annually (minimum) +: up to 1.25% annually (maximum)
Up to $500 per hour for standalone financial planning services
Fee-only: Wealth management fees range from 0.50% to 1.25% annually, paid quarterly in advance; financial planning standalone services offered at hourly rate up to $500
Main office
See office55 Union Street
Boston MA 02108
Advisors at this office
5
Offices (3)
Most active in
California · Colorado · Connecticut · Florida · Maine · Massachusetts · New Hampshire · New Jersey · New York · North Carolina · Ohio · Pennsylvania · Rhode Island · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
Quick links
Advisors at this firm
Michael C
CFA®, Series 65
Boston, MA
WinCap Financial LLC
Michael Collins is a CFA® charterholder and holds a Series 65 license, with nine years of experience in the financial industry. He has worked at WinCap Financial LLC since 2021 and previously at CapFinancial Partners, LLC and Boston Advisors, LLC. In addition to his advisory work, he serves as an adjunct professor teaching undergraduate and graduate courses in investments, business, and economics at Bunker Hill Community College and Endicott College. WinCap Financial provides wealth management, discretionary investment management, and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs both fundamental and technical analysis to create customized, long-term asset allocations while trading tactically to address market conditions or client needs.
Joseph L
Series 66
Peabody, MA
WinCap Financial LLC
Joseph Lepore is a financial advisor at WinCap Financial LLC with eight years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones Investments for six years and Calton & Associates, Inc. for two years. In addition to his advisory role, he serves as an adjunct professor at Endicott College's school of business. WinCap Financial provides wealth management, discretionary investment management, and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs both fundamental and technical analysis and customizes long-term asset allocations while trading tactically based on market conditions or client needs.
Zachary C
CFP®, ChFC®, Series 63, Series 66
Boston, MA
WinCap Financial LLC
Zachary Ciampa is a CFP® and ChFC® credentialed financial advisor with 10 years of industry experience. He is currently with WinCap Financial LLC, where he has worked since 2023. His prior experience includes roles at John Hancock and Charles Schwab. WinCap Financial provides wealth management, discretionary investment management, and financial planning services to individuals, high-net-worth individuals, trusts, and estates. The firm employs both fundamental and technical analysis to create customized, long-term oriented portfolios while allowing tactical trading based on market conditions or client needs.
Andrew C
Series 65
Boston, MA
WinCap Financial LLC
Andrew Crowley is a financial advisor with WinCap Financial LLC in Boston, MA. He holds a Series 65 designation and has experience working at KKR and La Machi Communication for Good Causes. Crowley has also been affiliated with Providence College since 2022. WinCap Financial provides wealth management, discretionary investment management, and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs both fundamental and technical analysis to create customized, long-term asset allocations while trading tactically when appropriate.
Joseph D
Series 66
Fort Collins, CO
WinCap Financial LLC
Joseph Duran is a financial advisor at WinCap Financial LLC in Fort Collins, CO, holding a Series 66 designation with 15 years of industry experience. His prior roles include positions at UBS Financial Services, Inc., Questar Capital Corporation, and Cambridge Investment Research, Inc. He is also a licensed insurance agent. WinCap Financial provides wealth management, discretionary investment management, and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs fundamental and technical analysis to create customized, long-term asset allocations, while also trading tactically based on market conditions and client needs.
Frank M
Series 65
Boston, MA
WinCap Financial LLC
Frank Mahoney is a financial advisor at WinCap Financial LLC in Boston, MA, holding a Series 65 designation with one year of industry experience. Prior to joining WinCap Financial, he worked at RSM US LLP and McGrath & Associates. He also has experience outside finance, including roles at Endicott College and Worldwide Golf Shops. WinCap Financial provides wealth management, discretionary investment management, and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm uses both fundamental and technical analysis to create customized, long-term oriented portfolios while trading tactically based on market conditions or client needs.
Lucas P
CFP®, Series 65, Series 63
Boston, MA
WinCap Financial LLC
Lucas Pavlatos is a CFP® professional with nine years of industry experience. He is currently with WinCap Financial LLC, where he has worked since 2024. His prior experience includes roles at John Hancock and Manulife John Hancock Brokerage Services. WinCap Financial LLC provides wealth management, discretionary investment management, and financial planning services to individuals, high-net-worth individuals, trusts, and estates. The firm uses both fundamental and technical analysis to create customized, long-term portfolios, trading tactically as market conditions or client needs warrant.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
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. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")