Windham Financial Services, Inc.

Updated today

Find your advisor

Client assets under management

$14,175,574

Clients

32% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very Low

Average account size

$457,277

About

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.

Client services

Portfolio management

Expertise

Options & derivatives strategies Active portfolio management Wealth management

Fee options

Percentage

1% annually, payable quarterly

Main office location

Windham Financial Services, Inc.

Steamboat Springs CO, United States

Number of offices

Most active in

Colorado · Massachusetts · Vermont

Disclosures

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.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 802-488-4400

Advisors at this firm

Michael O

Series 63, Series 65

Steamboat Springs, CO

Windham Financial Services, Inc.

Michael Oconnor is a financial advisor at Windham Financial Services, Inc. in Steamboat Springs, CO, holding Series 63 and Series 65 licenses with 43 years of industry experience. He has been with Windham Financial Services since 2005. 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 uses a combination of quantitative models, charting, fundamental and technical research, and active derivatives strategies, including structured ETFs and options, to manage risk and pursue tactical opportunities.

Options & derivatives strategies Active portfolio management Wealth management

Paul M

Series 63, Series 65

Steamboat Springs, CO

Windham Financial Services, Inc.

Paul Mendelsohn is a financial advisor at Windham Financial Services, Inc. in Steamboat Springs, Colorado, with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Windham Financial Services since 1983. Windham Financial Services offers discretionary portfolio management and investment consulting to individuals, retirement and profit-sharing plan participants, trusts, business entities, and institutional clients. The firm employs a quantitative, model-driven investment process combined with fundamental and technical research, utilizing a range of instruments including stocks, bonds, mutual funds, ETFs, and option strategies, with an emphasis on active derivatives and structured ETF use for hedging and income.

Options & derivatives strategies Active portfolio management Wealth management

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.

Find your advisor

Discover

Compare top advisor firms by metric, firm size, and location.

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

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may — or may not — fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend — and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction — we're here to make sure the relationship works for you.

Our ongoing support