Westminster Financial Advisory

The firm operates as a registered investment adviser and asserts fiduciary status in its regulatory filings, meaning it is legally obligated to act in the best interest of its advisory clients. This distinguishes it from broker-dealer models where suitability standards apply. Client accounts are custodied at independent third-party institutions, a standard structural separation in the RIA channel.

The firm constructs diversified portfolios for individual clients using mutual funds, exchange-traded funds, and individual securities. Asset allocation spans domestic and international equities, fixed income instruments, and cash equivalents, structured primarily through separately managed accounts. Its Form ADV filings indicate asset-based fee billing without performance-fee arrangements.

The firm does not self-custody. Independent third-party custodians hold client assets, a standard structural arrangement for SEC-registered investment advisers that insulates advisory from custody functions. Specific custodian relationships are not publicly itemized in current available filings.

Per public record, the firm serves individuals, high-net-worth individuals, and may serve pension plans or charitable organizations. Its primary geographic focus is the Dayton, Ohio metropolitan area, delivered from its sole office in Beavercreek, though RIA regulatory status permits multi-state client relationships.

No institutional commingled funds, family-office structures, or alternative investment vehicles are disclosed in available public records. The firm's Form ADV filings reflect a standard retail advisory practice model without private fund exemptions or pooled investment vehicles.