Financial Vision for Individuals
Whether you’re just getting started or are far along on your financial path, the first step in sound money management is clarifying your vision for the future. What are you passionate about in life? What are your hopes for the next five, 15, or 25 years? What do you want most for yourself and your family—including what money can’t buy?
At Winter & Associates, this is the most important work we do: helping you set meaningful goals and create actionable strategies to help reach them. Life is always changing, so preparing is a job that’s never done. By taking the time to understand what you care about, our financial professionals help you keep your money, your goals, and your values in sync—milestone after milestone, year after year.
Browse our financial services for individuals below. When you’re ready to get started, give us a call at 651-414-5000, or fill out the contact form here, and we’ll be in touch soon.
It’s important to choose a financial consultant who truly understands you–one size does not fit all. At Winter & Associates, we offer highly personalized investment advice based on your unique financial needs, goals, and risk tolerance.
Our services for asset management include:
- Investment advisory services
- Open architecture investment platform
- Access to stocks, bonds, mutual funds, exchange-traded funds
Personal Retirement Savings Tools
When it comes to saving for retirement, there are several opportunities you may be able to take advantage of. We’ll work as your advocate to help you design a retirement strategy that’s right for you, taking into account your age, earned income, savings goals, and the flexibility you need.
Our services for personal retirement strategies include:
- IRAs (SEP/Roth/Traditional/Simple/Inherited)
- Solo/Individual 401(k)
- Taxable/Non-Qualified Accounts*
It can be hard to talk about life insurance, but protecting your family’s financial security is a decision you won’t regret. We offer access to a wide variety of insurance options for every stage of your life. Get the coverage you want with the flexibility to make adjustments as your financial goals change.
When it comes to risk management, we take the time to understand, analyze, and address your financial goals and risk tolerance to help create the best possible outcome. We have the ability to shop the market and access 70+ carriers as we work with you to meet your needs.
Our products for insurance/risk management include:
- Life insurance
- Disability insurance
- Long-term care insurance
- Health insurance
- Property & casualty insurance
Because we’re living longer than ever, making your retirement funds last can be a real challenge. Annuities are designed to help you secure a steady cash flow during your retirement years, which is great. However, they are very complex, and not one-size-fits-all. As your trustworthy financial professional, we’ll help you learn how they work and find solutions that make sense for you.
Investing in your children’s education can help prevent them from graduating with the burden of crushing debt that so many college graduates carry today. There are several savings options available, including:
- 529 Plans
- UTMA or UGMA
- Custodial accounts
- Other creative options
Fee-Based Comprehensive Financial Planning
Do you lay awake at night wondering when you can retire, how much you should save, when to take social security, what pension payout option to choose, how much investment risk is necessary to be successful, how can you leverage your real estate, how much will you be able to spend in retirement, are you able to contribute to you child’s college funding, or what impact will inflation have on it all?
Our fee-based financial planning is our most comprehensive analysis of your financial picture, examining all the elements outlined within our Financial Vision for Individuals, so that we can help you answer these questions and achieve your most optimized retirement scenario.
Our output for fee-based financial planning includes:
- Investment analysis
- Financial position
- Retirement solutions
- Estate planning
- Protection planning
- Risk analysis
- Probability of achieving financial goal success (Monte Carlo scenarios)
- College planning
- Actionable Solutions
Separate from the financial plan and our role as financial planner, we may recommend the purchase of specific investment or insurance products or accounts. These product recommendations are not part of the financial plan and you are under no obligation to follow them.
Get to Know Us
As one of the oldest financial firms in the Upper Midwest, we’ve learned to respect the past while embracing the future. As the world of money gets more complex and the needs of clients evolve, we keep rising to meet their next challenge—and the next and the next. That’s our legacy. For more information about our company and services, please give us a call at 651-414-5000, or fill out the contact form here, and we’ll be in touch.