Marcel Winger (CFP®, MS)

Marcel Winger focuses in the
following client markets or areas of practice:

  • Fixed Fee (Subscription, Retainer, etc.)
  • Hourly
  • Investment Advice with Ongoing Management
  • Investment Advice without Ongoing Management
  • Retirement Plan Investment Advice
  • Retirement Planning & Distribution Rules

Planning Specialties

Rather than being a generalist and serving the full spectrum of clients in the world, we focus on those individuals who have recently retired, or who are planning on retiring within the next 5 years. We believe that this transition requires detailed planning, as the gap between your last paycheck and the start of your social security benefit affords you some truly unique planning opportunities.

Additional Information

I am driven to help clients make smarter decisions with their overall finances, allowing them to gain a bigger sense of enjoyment from their savings, and providing them with a clearer mind even in the face of an eventual market downturn.

It is my belief that the biggest financial decision that will be thrust upon your shoulders will be the decision to eventually retire. My firms mission is to make sure that you have a clear understanding of the impact that this decision will have on your life, prior to making it.

Having a natural curiosity towards retirement planning, I have made it my firm’s speciality. I believe that the window five years before and after retirement, requires a heightened level of detail to ensure that you live out the retirement that you envision.

The reason? A market downturn, during this time in your life can significantly impact the amount you can safely withdraw from your retirement savings, potentially requiring you to make tough choices that may include, delaying a planned retirement, cutting your spending, or seeking part-time work to cover the income gap that has now developed.

Taking a pro-active approach to planning allow us to account for this risk before it takes place. Developing a personalized withdrawal plan will allow you to maximize the enjoyment of your hard earned savings, without putting your financial future in jeopardy.

NAPFA Start Date

August 07, 2018

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This Office

2935 THOUSAND OAKS STE #6 - 242 San Antonio, TX 78247 Phone: (210) 774-2847