Five Seasons Financial Planning is an independent wealth management firm. As such, portfolio management services provided for clients are unconstrained by any corporate agenda, and financial planning advice given to clients is objective and professional. In addition, being Fee-Only, Five Seasons receives no compensation in any form from any organizations or institutions. In short, we work solely for the benefit of clients because we are paid solely by clients.
However, we share common values and philosophy with the following financial planning and investment management industry groups:
National Association of Personal Financial Advisors (NAPFA):
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.
All NAPFA members, including Five Seasons's own Paul Winter, must adhere to NAPFA's Code of Ethics and commit to NAPFA's Fiduciary Oath.
To learn more about the National Association of Personal Financial Advisors, please click on About NAPFA.
The National Association of Personal Financial Advisors (NAPFA): A good place to start your hunt for a financial advisor.
- the Wall St. Journal
The CFA® Institute is the premier global association for investment management professionals. The mission of the CFA® Institute is to lead the investment profession globally by promoting the highest standards of ethics, education, and professional excellence for the ultimate benefit of society.
Fewer than 1 in 5 candidates becomes a CFA charterholder. It takes an average of over 1,000 hours of rigorous study, along with four years of professional experience, to earn the distinction of being called a Chartered Financial Analyst® and all charterholders are required to annually attest to the CFA Institute Code of Ethics and Standards of Professional Conduct.
The CFA Program is the gold standard among investment analysis designations.
- the Economist magazine
Certified Financial Planner Board of Standards:
The CFP Board is a non-profit organization acting in the public interest by fostering professional standards in personal financial planning through its setting and enforcement of the education, examination, experience, ethics and other requirements for CFP® certification. The Board's mission is to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for competent and ethical personal financial planning. The CFP® certification marks identify professionals who have met the high standards of competency and ethics established and enforced by CFP Board.
As a CERTIFIED FINANCIAL PLANNERTM practitioner, Paul Winter adheres to the CFP Board's Code of Ethics.