Paul N. Winter
FIVE SEASONS FINANCIAL PLANNING LLC
SLC, UT 84124
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CRD#: 1870699
Professional summary
Paul Nicholas Winter, CFP® is a registered financial advisor currently at FIVE SEASONS FINANCIAL PLANNING LLC located in Slc, Utah and SAX WEALTH ADVISORS, LLC located in Salt Lake City, Utah.
Paul is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1988. Paul has worked at 5 firms and has passed the Series 65, Series 63, Series 7 and Series 3 exams.
Biography
Prior to founding Five Seasons Financial Planning, Paul worked in the financial industry for eighteen years. For eleven of those years, he traded a variety of Money Market and Fixed Income securities for prominent Wall Street firms. Before offering his services to clients through Five Seasons, he was self-employed, trading stock-index futures and investing in individual stocks using proprietary screens and price targets. Paul has two business degrees that aid him in his financial pursuits. 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, 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 MIS. He has been quoted on a variety of financial planning topics in the local and national media, including Fox 13 News, Business Week, Kiplinger's, Newsweek, the Salt Lake Tribune, TheStreet.com, the MSN Money website, Financial Planning magazine, Financial Advisor magazine, the Deseret Morning News, and InvestmentNews magazine. In addition, he has appeared as a guest expert on retirement planning for KUER FM 90's "Your Personal Economy" series.
Question & Answer
What are your service offerings?
Investment Planning
Socially Responsible Investing
Employee and Employer Plan Ben...
Retirement Income Management
Inheritance
Small Business Planning
Life Transitions
Comprehensive Financial Planni...
Tax Planning
Social Security Planning
Retirement Planning
Do you have an area of expertise or specialization?
Baby Boomers
Business Owners
Corporate Executives
Generation X
Investment Advice with Ongoing...
Retirement Planning & Distribu...
What is your minimum asset requirement?
500K
Are you a "fiduciary"?
Yes
Aliases
None
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
The advisor shows no other business activity.
CRS (Client Relationship Summary) - RIA
Click below to view Paul Nicholas Winter's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 2007
Experience
Current
May 14, 2004 - Present
FIVE SEASONS FINANCIAL PLANNING LLC
Office #1: 4505 Wasatch Blvd. Suite #370, Slc, UT 84124RIA
CRD#: 130766
SLC, UT
Current
November 6, 2025 - Present
SAX WEALTH ADVISORS, LLC
Office #1: 4505 S. Wasatch Blvd Suite 370, Salt Lake City, UT 84124RIA
CRD#: 119193
Salt Lake City, UT
Past
May 15, 1995 - December 12, 1997
YAMAICHI INTERNATIONAL (AMERICA) INC.
BD
CRD#: 909
NEW YORK, NY
Past
March 9, 1993 - May 24, 1995
UBS SECURITIES LLC
BD
CRD#: 7654
NEW YORK, NY
Past
October 19, 1988 - March 4, 1993
CREDIT SUISSE SECURITIES (USA) LLC
BD
CRD#: 816
NEW YORK, NY
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
SAX WEALTH ADVISORS, LLC
SAX WEALTH ADVISORS, LLC | SMF FINANCIAL ADVISORS, LLC
CRD#: 119193 / SEC#: 801-68788
RIA
Registered Investment Advisory firm - (2/28/2008 Approved)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.Highlighted states indicate IAR registrations
IAR
New Jersey(11/13/2025)
IAR
Texas(3/14/2018)
IAR
Utah(5/14/2004)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
Current Firm
SAX WEALTH ADVISORS, LLC
SAX WEALTH ADVISORS, LLC | SMF FINANCIAL ADVISORS, LLC
CRD#: 119193 / SEC#: 801-68788
RIA
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Contact information
Main Address
389 Interpace Parkway Suite 3, Parsippany, NJ 07054
Mailing Address
Phone number
(973) 859-2199
Established
Firm type
Fiscal year end
# of Employees
39
SEC notice filing (30 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 3,685 |
| AUM (Assets Under Management) | $ 2,440,851,802 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 10/21/2025 | ||
| 12/11/2024 | ||
| 01/23/2024 | ||
| 02/21/2023 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
