Five Seasons Financial Planning LLC

Five Seasons Financial Planning, established in 2004 by Paul Winter, MBA, CFA, CFP®, is a fee-only, fiduciary financial advisor and wealth management firm located in Salt Lake City, Utah. The firm is dedicated to providing objective financial advice and personalized investment management services to discerning clients across the country. Their core focus is on bringing clarity to financial pictures, identifying opportunities, and addressing weaknesses in financial plans through a disciplined process.

The primary service offered by Five Seasons Financial Planning is "Wealth Management," an integrated approach combining ongoing and discretionary investment management with comprehensive financial planning. This includes services such as retirement planning and projections, tax minimization strategies, insurance needs analyses, and advice on debt management and education funding. They utilize a client-centric approach, developing written Investment Policy Statements to guide ongoing investment decisions and dynamically rebalancing portfolios with a focus on tax management.

As a registered investment advisory firm, Five Seasons operates under an unconditional fiduciary obligation, ensuring clients' financial interests are always prioritized, free from conflicts of interest often associated with commission-based models. As of January 2, 2024, the firm managed approximately $104.1 million in assets for about 71 client households. While generally requiring a minimum of $500,000 in investment assets under management, this condition can be waived based on individual client circumstances, reinforcing their personalized approach.