Winthrop T.  Smith


Winthrop Smith is the president and founder of Win Analytics LLC, an independent company of finance experts. The firm provides litigation support, analysis, and research to participants in structured finance and related markets. Mr. Smith currently partners with one of the pioneers of financial theory on problems of long-term investment.

Mr. Smith has been CFO of a $7 billion education finance company.  His career has centered on quantitative finance but has many facets: investment banker, financial advisor, expert witness, conference speaker, writer, programmer, modeler, analyst, teacher, mathematician, and inventor. Mr. Smith has structured or supervised billions in bond issues and securitizations.  He was financial advisor to a $1.7 billion multi-modal transportation program.  He was recognized as the leading expert on the securitization of delinquent tax penalties that was part of the bankruptcy recovery plan for Orange County, California.

Mr. Smith produces “The Well-Tempered Spreadsheet,” an informative blog about financial modeling and mathematics.

Mr. Smith holds an MSc in Mathematical Finance from Christ Church College, Oxford University.  His thesis was “Robust Bond Portfolio Optimization.”Mr. Smith won the Anthony Stanley prize in mathematics as an undergraduate at Yale University.

He is an affiliate member of the CFA Institute and of the CFA Society of Colorado.


Win Smith


Win Analytics LLC


blog: The Well-Tempered Spreadsheet

Connect to Win on Linked In

Win Analytics LLC

established 2009

Win Analytics also fields a team of Senior Consultants with expertise in the following areas:


Statistical Analysis

Econometric Analysis

Consumer Credit

Predictive Analytics

Litigation Support

Commercial Real Estate

Mortgage-Backed Securities

Asset-Backed Securities

Tax-Exempt Finance

Education Finance

An Exceptional Team