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Understand Investing
We help you relax about money with an investor coaching process that teaches you the "why" behind your investment strategy.
Organize Your Financial Life
Comprehensive financial planning gives you a clear plan to reach your financial goals.
Be Free to Pursue Purpose
Gain the freedom you need to pursue what you want-without worrying about money.
Understand Investing
Without understanding investing, you’re left to blindly trust
Blind trust leads to stress
Our investor coaching process teaches you what you need to know
When you understand the “why” behind your investment strategy, you can relax about money
Organize Your Financial Life
Comprehensive financial planning that takes your entire financial picture into account
Investment management
How much in stocks versus bonds? Maximize diversification.
Risk management
Have you prepared for all your risks? Do you know your risks?
Retirement planning
How much do you need to retire? How much income can you get? What about social security?
Tax planning
Roth or traditional? Distribution strategies. Managing capital gains.
Education planning
What are the best education accounts to use? How to allocate them? How much to save?
Estate planning
Wills, trusts, legacy goals, charitable giving.
Be Free to Pursue Your Purpose
Money is a tool to express what you value.
Our mission at Paul Winkler, Inc. is to help you relax about money so you can be free to use money for greater things.
That means something different for everyone.
Whether it’s creating a better life for the next generation, traveling and creating experiences for yourself you’ve always dreamed of, or helping others create a better life, we want to partner with you on finding a bigger purpose for your money.
Relaxing about money is the beginning.
What Makes PWI Unique
- We make no commissions with an industry-low fee-only arrangement.
- We help you understand what we're doing when we manage your portfolio.
- All our advisors are certified, with over 15 years of experience.
- We offer comprehensive financial planning.
No Commissions
Aligns our interests with yours
The more you make, the more we make. Under commissions, the return of the product doesn’t matter after the advisor makes the sale.
Allows a broader range of recommendations.
Advisors on commission get paid only if a product is sold. With fee-only, we don’t get paid differently based on different recommendations.
Creates an ongoing relationship.
With ongoing investment management and a financial plan, you must continually review and update the plan as life situations change.
All Advisors either CFP® or ChFC® certified
Why Financial Planning Degrees Matter
Believe it or not, financial planning degrees are not a requirement for financial advisors in the U.S.
You wouldn’t go to a doctor without an M.D. or a lawyer without a J.D., but many don’t realize they’re going to a financial advisor without a financial planning degree.
The CFP® and the ChFC® both have core curriculums that cover every major aspect of personal finance.
This knowledge allows an advisor to put a comprehensive plan together.
A financial plan should address every area of your finances because each area affects the others. Your estate plan affects the tax strategies you use, and your risk management affects the investment strategies, etc.
Financial planning areas should not be addressed in isolation.
So, you must work with someone who has knowledge and experience in each topic.
This knowledge also allows the advisor to be the quarterback of the financial team. With knowledge in every area of financial planning, they are able to put a comprehensive plan together and coordinate with other financial professionals.
A qualified advisor can work with CPAs, insurance agents, and attorneys to utilize their areas of specialization while also ensuring their recommendations meet the needs of the client.
Much financial planning today is narrowly focused on one area of the financial plan.
Insurance agents, for example, sometimes offer “financial planning” that involves buying one-size-fits-all life insurance products to meet all your financial needs. But that’s not the way financial planning should be.
Financial planning should be comprehensive, and should almost always include more than one recommendation and strategy.
A financial planning degree is essential for comprehensive planning, which is why we require all our advisors who meet with clients to have them.
Fiduciary Duty
The law requires a fiduciary advisor to act in the best interest of their clients.
This is not actually required of everyone who calls themselves a financial advisor. Most big financial firms are broker-dealers, and they are held to a “suitability” standard. This means the recommendations need only be “suitable,” but not necessarily in the best interest of the client.
Fee-only RIAs (Registered Investment Advisors)—like us at Paul Winkler, Inc.—are held to the highest fiduciary duty.
Working with an advisor held to the fiduciary standard is essential. It’s one of the keys to relaxing about money.
Want to Learn More?
Use this free content to learn more and start relaxing about money.
Book Sample
Confident Investing:Why Blind trust is a poor Strategy
How Our Process Works
Free 15-Min Call with an Advisor (*Optional)
Free Initial In-Person Meeting with an Advisor
Introductory Workshop
Personal Planning Meetings with Your Advisor
Continued Management and Teaching Services