WinCap Financial provides financial planning, portfolio management for individuals and small businesses, education planning, and insurance.
WinCap Financial reports 270 clients. They include 197 individual clients and 73 high-net-worth individuals. Of its assets, 100.0% ($223M across 624 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $223M. Of its clients, 2% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 73% | 32% |
| High-net-worth individuals | 27% | 68% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 197 | $71.7M | 32.1% | $364K |
| High-net-worth individuals | 73 | $151M | 67.6% | $2.07M |
| Corporations and other businesses | Fewer than 5 | $633K | 0.3% | — |
| Total | 270 | $223M | 100% | — |
- Clients
- 197
- Regulatory AUM
- $71.7M
- AUM share
- 32.1%
- Avg. per client
- $364K
- Clients
- 73
- Regulatory AUM
- $151M
- AUM share
- 67.6%
- Avg. per client
- $2.07M
- Clients
- Fewer than 5
- Regulatory AUM
- $633K
- AUM share
- 0.3%
- Avg. per client
- —
Total
- Clients
- 270
- Regulatory AUM
- $223M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 2%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
WinCap Financial charges 0.50%–1.25% a year for its Wealth management. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Standalone financial planning
- Hourly rate up to $500; fees may be negotiable.
Michael Collins owns 75% or more of WinCap Financial. Michael Collins is CEO. It has 7 employees, 6 of them in advisory roles.
Staff
- 7 employees
- 6 in advisory functions
- 6 state-registered reps
- 2 insurance agents
- 1 soliciting firm
- Owns 75% or more of Wincap Financial LLC
Michael Collins
Control person · since September 2021
WinCap Financial’s regulatory assets grew 5.9× from $37.6M (June 2022) to $223M (June 2026); clients rose from 80 to 270 and employees from 1 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jun 2026June 2026 | $223M | 270 | 7 | 7 |
| Jun 2025June 2025 | $153M | 204 | 5 | 7 |
| Jun 2022June 2022 | $37.6M | 80 | 1 | 1 |
Besides its headquarters, WinCap Financial has 6 offices (4 private residences, listed without an address), with 3 listed addresses across 2 states.
Massachusetts · 2 listed addresses
- 55 Union Street, BostonHQ
- 58 Pulaski Street, Peabody
Colorado · 1 listed address
- 2580 E Harmony RD, Fort Collins
Contact and registration details
- Legal name
- Wincap Financial LLC
- Headquarters
- 55 Union Street, Boston, MA 02108
- Website
- wincapfinancial.com
- Phone
- 617-590-3250
- @wincap-financial
- SEC file
- 801-131123
- Founded
- 2021
- Structure
- Massachusetts LLC
- Fiscal year end
- December
WinCap Financial’s named custodians for separately managed accounts are Charles Schwab ($150M, 67%) and Fidelity ($73.2M, 33%). WinCap Financial has custody of $144M for 192 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $150M67%
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $73.2M33%
At year end, WinCap Financial’s separately managed accounts were mostly in stocks (71%) and bonds (25%). Its reported 13F holdings for the quarter ended 30 June 2026 total $185M across 91 positions; the largest are Nomura ETF TR (12.3%), Goldman Sachs ETF TR (7.9%) and Vanguard BD Index Fds (7.2%).
What the accounts hold
- Stocks71%
- Bonds25%
- Investment grade corporate bonds13%
- High-yield corporate bonds12%
- Cash4%
How many clients does WinCap Financial have?
WinCap Financial has 270 clients and manages $223 million for them, as of June 2026. They include 197 individual clients and 73 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 29 June 2026
What services does WinCap Financial offer?
WinCap Financial provides financial planning, portfolio management for individuals and small businesses, education planning, and insurance.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does WinCap Financial charge?
WinCap Financial charges 0.50%–1.25% a year for its Wealth management. The fee is billed in advance and is negotiable.
Source: WINCAP FINANCIAL DISCLOSURE BROCHURE, filed 27 February 2026
Which custodians does WinCap Financial use?
WinCap Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $150M and Fidelity Brokerage Services LLC (Smithfield, RI), with $73.2M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 29 June 2026
How many financial advisors does WinCap Financial have?
WinCap Financial has 6 investment adviser representatives registered with state securities authorities, out of 7 employees, and 6 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does WinCap Financial invest in?
At the end of its last fiscal year, WinCap Financial’s separately managed accounts held 71% exchange-traded equities, 13% investment grade corporate bonds, 12% high-yield corporate bonds and 4% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns WinCap Financial?
WinCap Financial’s direct owner is Michael Collins (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 29 June 2026
How does WinCap Financial get paid?
WinCap Financial is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact WinCap Financial?
WinCap Financial’s main office is at 55 Union Street, Boston, MA 02108. Its phone number is 617-590-3250. Its website is wincapfinancial.com.