Westlake Village, CA Office

Winters Financial Group, Inc. provides investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, and business entities, serving both high‑net‑worth and non‑HNW retail clients. The firm offers non‑discretionary portfolio management, standalone financial planning, and retirement plan consulting, including participant‑directed and trustee‑directed ERISA plan services.

The firm’s working approach is primarily non‑discretionary: advisers evaluate objectives, recommend asset allocations and monitor accounts, but obtain client approval before executing transactions; common instruments include mutual funds, ETFs (including Dimensional Fund Advisors funds where available) and individual equities across long‑ and short‑term strategies. Winters treats cash as an asset class, provides aggregated reporting via an eMoney platform, and documents that clients may use margin or pledged‑asset loans in separately managed accounts for specific short‑term needs while warning against borrowing for investment purposes.

Distinctive aspects in the brochure include the firm’s explicit emphasis on non‑discretionary management combined with an acknowledged practice of permitting borrowing against account assets, with disclosures that fees may continue on pledged assets and that this can create conflicts of interest. Additional notable operational features include the use of DFA funds with attendant purchase limitations, an adopted AI policy for analytical tools, and a restricted, client‑authorized approach to cryptocurrency exposure.