Windward Private Wealth Management Inc.

Windward Private Wealth Management, Inc. is a registered investment adviser established in 1999, offering wealth management services to individuals and pension/profit sharing plans. The firm's owners are Andrew S. Osborne and Emily Petty. Windward manages $273,799,475 in assets on a discretionary basis. Clients can engage the firm for financial planning services tailored to their needs, including tax planning, retirement planning, and estate planning. Investment portfolios primarily consist of ETFs and mutual funds, with periodic reviews and rebalancing based on client needs and market conditions. Clients retain decision-making authority over their accounts but can impose reasonable restrictions. Windward charges wealth management fees based on a percentage of assets under management, with a minimum quarterly fee of $1,250. The firm may negotiate fees based on various criteria. Windward does not provide performance-based fees and primarily serves individuals and pension/profit sharing plans. The firm's investment strategies are based on Modern Portfolio Theory, aiming to optimize returns while managing risk. Clients receive regular account reviews and have access to a client portal for account information. Windward recommends the use of Charles Schwab for brokerage services and does not compensate for client referrals. The firm exercises investment discretion for client accounts and does not vote client securities.