Winyah Financial Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Winyah Financial Services provides investment supervisory services and consulting to individual (non‑high‑net‑worth) clients, offering individualized portfolio management as well as estate, retirement and insurance-related advice. As of December 31, 2025 the firm reported $2,619,000 under management on a non‑discretionary basis across eight clients.
The firm develops client investment policies through a data‑gathering process that considers objectives, time horizon and risk tolerance, and it principally employs fundamental analysis and a long‑term purchase approach while providing ongoing monitoring and at least quarterly reviews. Engagements are generally non‑discretionary, requiring client approval for transactions, and services may be billed on an asset‑based or hourly basis.
Distinctively, the firm’s principal also serves as an independent insurance agent and implements insurance and annuity transactions for clients for separate, commission‑based compensation, a related activity the brochure indicates consumes roughly 40% of the principal’s time and is disclosed as a potential conflict of interest. The brochure also discloses a 2024 administrative consent order addressing recordkeeping deficiencies under which the firm agreed to refrain from conducting advisory activities in one state for five years; the firm has provided advisory services since 1994.
Client services
Expertise
Fee options
$0 - $499,999: 2.00% $500,000 - $999,999: 1.50% $1,000,000 - $1,999,999: 1.00% $2,000,000 - $3,999,999: 0.75% $4,000,000 - $9,999,999: 0.60%
$175/hour for investment advisory and consulting services
Fee-only: Hourly rate of $175/hour for investment advisory or consulting services
Main office
Georgetown SC
Advisors at this office
1
Most active in
South Carolina · Texas
Also doing business as
Sun Financial Services, Inc. · Winyah Financial Services · Winyah Financial Services, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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