Paul Winter

CFP®, CFA, MBA

Five Seasons Financial Planning

Financial Advisor

Paul Winter

CFP®, CFA, MBA

Five Seasons Financial Planning

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Paul Winter, CFP®, CFA, MBA

(801) 272-0902

Fee-Only financial planner located in Salt Lake City, UT, serving clients locally and across the country

Paul Winter is a Salt Lake City, UT fee-only financial planner. Five Seasons Financial Planning provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Paul Winter is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Paul Winter stands on a solid foundation of experience. A tenured investment professional, Paul has worked in the financial industry for more than twenty years.  For eleven of those years, he traded a variety of Money Market and Fixed Income securities for global financial services firms on Wall Street.  After that, Paul decided to broaden his knowledge base by trading stock-index futures and investing in individual stocks using proprietary screens and price targets.  In 2004 Paul established Five Seasons Financial Planning,  a registered investment advisory firm in the state of Utah, to offer his investment expertise to clients and to provide them with professional, Fee-Only financial planning and investment management services.
 
Paul is a CFA charterholder and a CERTIFIED FINANCIAL PLANNERTM practitioner, and has two business degrees that also aid him in serving clients.  He graduated from Columbia University in New York City with an MBA, where his majors were Money and Financial Markets and Finance. While attending Columbia University, an Ivy League institution whose finance program is perennially ranked in the top 3 in the country, Paul was named a Dean’s Scholar and was granted membership in the Beta Gamma Sigma honor society.  He also graduated with Great Distinction and received a Bachelor of Commerce degree from McGill University in Montreal, where he majored in Accounting and Management Information Systems.   
 
Paul is a member of the National Association of Personal Financial Advisors (NAPFA), the nation's leading organization of Fee-Only comprehensive financial planners.  Members of NAPFA are dedicated to providing consumers with holistic and professional financial advice, free from the conflicts of interest that arise with the sale of financial products.  
 
Paul has been interviewed several times on Fox 13 News and has been featured on the Dow Jones Newswire.  He has also appeared as a guest expert on retirement planning for KUER FM 90's "Your Personal Economy" series.  In addition, he has been quoted on a variety of financial planning and investment topics in the local and national print media, including the Wall Street Journal, SmartMoney, Business Week, Kiplinger's, Newsweek, the Salt Lake Tribune, the Deseret Morning News, and Financial Planning and Financial Advisor magazines.  Paul has also written articles on retirement plans for the Wasatch Business Connections magazine.  (Please click on the "FSFP on TV/Radio" and "FSFP in the News" menu options to see the videos or read the articles).    
 
An avid skier for 35 years, Paul plays squash regularly to stay fit and has become hooked on fly-fishing.  He can also be seen hiking the Wasatch and Uinta mountains with his wife Beth, daughter Ashley, and their bagel hound, Danica.

Paul Winter is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning
Paul Winter founded Five Seasons Financial Planning, a wealth management firm specializing in investments, to provide you with an independent, professional alternative to insurance agents, commissioned planners, and traditional brokers.
 
Objective. Professional. Financial Advice. Five Seasons is different from most other investment advisory firms in that it does not accept commissions or payments from mutual fund firms, broker/dealers, insurance companies, or any other third party.  100% of the firm’s revenue is derived from fees paid by clients.  As a pure Fee-Only firm, there are no outside influences affecting the guidance provided to clients. Because product sales are not a part of the firm’s business model, clients receive the highest level of objective, professional financial advice available. If you’ve been reading the national financial publications, you’ve most likely read about the benefits of Fee-Only financial advice.  (Click this link to see the flurry of media attention that Fee-Only financial planning has attracted.)
 
Personalized ApproachAt Five Seasons Financial Planning, there are no canned investment portfolios, no boilerplate financial plans. Because your financial circumstances are unique, the services you receive will be customized to you. The portfolio management services and financial advice you’ll receive are tailored specifically to you, your needs and your goals. While Five Seasons utilizes some of the best technology available to streamline the planning process and ensure accuracy, professional guidance and interpretation of the numbers is a large part of The Five Seasons Difference. You will never feel like “just another account” at Five Seasons.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Paul Winter is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Paul Winter is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • CFA - Chartered Financial Analyst
    Paul Winter is a CFA® charterholder

    A Chartered Financial Analyst® (CFA®) is a professional designation given by the CFA Institute, formerly AIMR, that measures the competence and integrity of financial analysts. Candidates are required to pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis.

Contact Paul Winter

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Office Locations:

  • 4505 S. Wasatch Blvd.
    Ste. 370
    Salt Lake City, UT 84124

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