At Paul Winkler, Inc. we do nothing on a commission basis. We believe commissions on
product sales create a potential for conflicts of interest. When managing assets, we charge a
fee based on percentage of assets that declines with portfolio size. We believe this model
aligns our interests with those of our clients. We also provide planning services based on
hourly or flat fees. We always do an initial consultation on the phone or in person without
charge so we can assess what is needed and recommend a plan of action.
We abide by the highest level of fiduciary standards. In other words, we consistently strive to
give advice that is in the best interest of our clients. To help ensure that we meet this
standard, we require that all our advisors hold advanced financial planning degrees, and that
they stay grounded in the latest academic research on investing.
At Paul Winkler, Inc. we are all degreed financial planners. Most of our advisors also hold
designations in other areas of specialty as well.
The planning process includes looking at insurance coverages like auto, home, disability, life,
health, and long-term care. We don’t sell any of these products which gives us the ability to
give objective advice.
We look at tax advantaged strategies, managing work benefits programs, determining
accumulation goals, assessing sustainable income streams in retirement, special needs
planning, estate and legacy planning and give people access to in-depth educational
programs on virtually every facet of the financial planning and the investing process.
We also use advanced financial planning software to help clients organize their financial lives
and build a plan for retirement.
While an investor can take some of the concepts that we teach on investing and try to
implement them on their own, most investors choose to partner with us in the process.
Investing according to academic principles, daily rebalancing, and managing the investments
according to a clients overall financial picture is a complex process. We also often use
investment shares that are not available to the general public so that we can take advantage
of techniques and strategies to reduce expenses.
Our advisors have all been in the industry for over twenty years and bring a great deal of
experience to the table The reason we spend so much time educating and coaching investors
is to help them know what they are doing and why. As an old client of mine once said, “you
teach us how baseball works, so we enjoy the game more.” I couldn’t have said it better
No, we don’t. I have found that some of our best clients started out as some of our smallest
All advisors have—at a minimum—a financial planning designation of either Chartered
Financial Consultant® or Certified Financial Planner®. These designations, issued by different
universities, require the same underlying coursework in areas such as investment
management, financial planning, risk management, estate planning, tax law, retirement and
Advisors are also required to engage in continuing education, have an expertise in the latest
academic research on investing and often pursue areas of specialty.
At Paul Winkler, Inc. we offer comprehensive financial planning and asset management
services. Depending on the needs of our clients, our services may include: Setting
accumulation goals, determining appropriate distribution strategies and how much income to
take from available resources, assessing risk management (home, auto, life, disability, longterm care, estate planning, liability, etc.), allocating and choosing investments in qualified
plans (401(k)s, 403(b)s, 457s, etc.), debt reduction strategies, planning for living
arrangements in retirement, budgeting, how to take Social Security benefits, and more.
We put significant emphasis on education programs for our clients to help them understand
how markets work, know what to expect, and help familiarize them with what we view as the
most significant academic research of the past 70 years and how to implement this research
for themselves and their families.
We find this investor education to be essential in helping our clients to relax about money
Some of our advisors do tax planning as a separate function. Paul Winkler, Inc. receives no
compensation from this aspect of the business so as not to create a conflict of interest.
We always consider tax consequences when it comes to investment choices. How some
investments can affect federal income taxes, social security taxes, retirement plan
contribution limits, capital gains taxes, and other aspects of a financial plan are paramount in
the planning process.
We often need to develop a tax-efficient strategy for drawing income, analyze how Medicare
premiums may be affected, consider the affects of tax bracket creep, determine tax leverage
issues and a myriad of other considerations while working on a client’s life income plan.