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Hans-Christian Winkler

CFP®
Personal Finance, Retirement, Investing
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“With over 21 years experience, Hans-Christian Winkler focuses on long-term client relationships, and during this time, has built a network of CPAs, estate attorneys and insurance professionals to ensure that every client gets the best and most objective advice.”
Firm:

Claraphi Advisory Network

Job Title:

Financial Planner

Biography:

Hans-Christian Winkler is a Financial Planner at Claraphi Advisory Network, a firm that aims to assemble a team that believes in contributing to investment education. Hans and his team provide meaningful and relevant advice, and through prudent investing, work to improve their clients' financial future. ClaraPHI has developed turn-key programs designed to make it as easy as possible for CPAs, attorneys, and financial institutions to partner with a registered representative to provide financial/investment services to the investor. Because of their unique corporate structure and relationship with the ClaraPHI affiliate companies, all ClaraPHI advisors are able to access member estate planning attorneys and CPAs who embrace the collaborative planning model and are willing to share their expertise.

Hans began his professional career on Wall Street in 1997 at a boutique Private Investment Bank in Midtown New York. In 2001 he became a fully independent Financial Planner focusing on long-term client relationships and helping clients with investment, retirement, estate and insurance planning strategies. As a CERTIFIED FINANCIAL PLANNER™ professional, Hans frequently incorporates a network of estate attorneys, insurance professionals and CPAs to develop comprehensive and individually tailored financial plans, to guide clients achieve their goals and protect their assets from potential downfalls. In addition to advising traditional financial clients, Hans specializes in working with athletes, sudden wealth recipients, the LGBT community and divorcees/widows. Being fully committed to keeping abreast of the industry's evolving changes, Hans served as the Director of Public Awareness and as a Board Member of the Financial Planning Association of New York from 2014 - 2016, and is still a very involved member.

In addition to his CFP® certificate, Hans also holds Series 4, 7, 24, 63, 65 & New York Life & Health Insurance licenses. Hans was born and raised in Salzburg, Austria and was recruited to Temple University in 1991 on a golf scholarship. He further received his Master’s Degree from New York University in 1997 and lives with his wife in New York.

Education:

BA, Temple University
MA, New York University

Fee Structure:

Commission
Fee-Based

CRD Number:

2966966

Insurance License:

#LA-1070860

All Articles
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December 2018
    Investing, Alternative Investments
July 2018
    Financial Planning, Personal Finance
December 2016
    Financial Planning, Personal Finance
September 2016
    College Tuition, Financial Planning, Lifestage Based Planning

All Answers
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    Retirement, Retirement Savings, 401(k), Annuities, Asset Allocation
What are some suggestions for allocation and diversification of my portfolio?
100% of people found this answer helpful

I agree with Dan’s response that it is impossible to answer what kind of diversified portfolio would be right for you, given that we do not know any specifics about you.

However, in general, a modern-day investment portfolio in 2019 for an accredited investor such as yourself should be diversified beyond traditional equities/bonds, and also include Alternative Investments. University Endowment Plans and Family Offices have been incorporating Alternative Investments for over 30 years in their asset allocation models and accredited investors should take advantage of them as well.

I believe that traditional investment models of 70/30 60/40 50/50 etc., of stock/bonds are considered only partially diversified and are inadequate in today’s investment markets. They leave out an important asset class that are available to modern-day investors, which means that you miss out on valuable investment opportunities, that can better grow and protect your investment portfolio at the same time. For today’s standards a fully diversified portfolio should be closer to a 30/30/30 mix of equities/bonds/alternative investments. This “Full Spectrum” diversification model would achieve the following:

  1. Less stock and bond market dependence
  2. Lower portfolio volatility
  3. More predictability
  4. More tax advantages that traditional equities and bonds cannot offer
  5. A more un-emotional way to invest
  6. Better downside protection during market downturns

I hope this gives you a start to better protect, diversify and grow your assets as a modern-day investor.

Thank you,

Hans

February 2019