Cookeville Financial Advisor

Pay No Commissions · Invest Based on Evidence
· Escape the Sales Machine

Schedule a 15-minute call with an advisor

in the Cookeville office

How Our Process Works

Free 15-Min Call with an Advisor (*Optional)

Free Initial In-Person Meeting with an Advisor

Introductory Workshop

Personal Planning Meetings with Your Advisor

Continued Management and Coaching Services

Cookeville Advisors

Roleen De Ono, ChFC®, Enrolled Actuary

Roleen has been in the financial industry since 2004. He started his career as a life insurance agent in Georgia while completing his college degree. Roleen graduated from Georgia State University in Atlanta with a degree in Actuarial Science and Finance. After graduating in 2007, he joined BHA Consulting as an actuary and specialized in retirement, pensions, and benefits consulting where he developed a passion for retirement planning and prudent investing. His years as a pension consultant gave him an inside view of institutional investing and how decision makers chose investments.

In March 2023, Roleen joined Paul Winkler, Inc., an investor coaching firm, to leverage his years of experience as a pension consultant to help clients create a roadmap so they can take control of their wealth, achieve their goals, and find their purpose for money. After 15 years of pension and retirement consulting and most recently with Deloitte, Roleen realized that retirement planning has shifted to individuals and people, now more than ever, need help with retirement planning and prudent investing. In late 2020, he sought a career where he can apply his experience so he could help individuals and families create the possibility of a secure retirement and financial future. Roleen started pursuing the Chartered Financial Consultant (ChFC®) degree in 2021 and completed it in 2023. He is also a Certified Financial Planner (CFP®) candidate.

Roleen is married to Anne, his high school sweetheart. They enjoy spending time with their two sons and princess by attending all their activities and chaperoning them as they explore new places. In his spare time, he reads, listens to podcasts, pretends to know how to play golf, and thinks he can still play basketball.

Arlene Brown, ChFC®

ChFC®, CLU®, CDFA®

Arlene Brown started her career with American Express Financial Advisors in 1997 and few years later moved over to Merrill Lynch. Tired of confronting the continuous challenge of finding balance between what was best for clients and what was best for her employer, she decided to become an Independent Advisor and formed Your Retirement Matters, LLC. Through the years, Arlene has specialized in IRA distribution, income planning, and estate conservation. She is passionate about helping clients make smart decisions about their money so they can Retire on time and Stay Retired.

Additionally she is certified to provide financial services to clients involved in the process of Divorce. Her expertise helps them to address their specific financial and familial concerns, allowing for the opportunity to help determine a knowledgeable and fair settlement.

Arlene has a Bachelor’s Degree from the University of South Florida. She is a Chartered Life Underwriter and a Certified Divorce Financial Analyst™ (CDFA). Arlene is a member of the Institute for Divorce Financial Analysts, Inc. She is a trained General Civil/Family Mediator, and is a listed volunteer with the Nashville Conflict Resolution Center.

Arlene is happily married to Wade and has one son. Wade works for JC Penney and volunteers his time with the Nashville Inner City Ministry. Away from the business, she enjoys tennis, travelling, and spending time with family which includes Marble, an 8 pound Maltese Terrier.

Fiduciary Duty

The law requires a fiduciary advisor to act in the best interest of their clients.

This is not actually required of everyone who calls themselves a financial advisor. Most big financial firms are broker-dealers, and they are held to a “suitability” standard. This means the recommendations need only be “suitable,” but not necessarily in the best interest of the client.

Fee-only RIAs (Registered Investment Advisors)—like us at Paul Winkler, Inc.—are held to the highest fiduciary duty.

Working with an advisor held to the fiduciary standard is essential. It’s one of the keys to relaxing about money.

No Commissions

Aligns our interests with yours

The more you make, the more we make. Under commissions, the return of the product doesn’t matter after the advisor makes the sale.

Allows a broader range of recommendations.

Advisors on commission get paid only if a product is sold. With fee-only, we don’t get paid differently based on different recommendations.

Creates an ongoing relationship.

With ongoing investment management and a financial plan, you must continually review and update the plan as life situations change.

All Advisors either CFP® or ChFC® certified

Why Financial Planning Degrees Matter

Believe it or not, financial planning degrees are not a requirement for financial advisors in the U.S.
You wouldn’t go to a doctor without an M.D. or a lawyer without a J.D., but many don’t realize they’re going to a financial advisor without a financial planning degree.

The CFP® and the ChFC® both have core curriculums that cover every major aspect of personal finance.

This knowledge allows an advisor to put a comprehensive plan together.

A financial plan should address every area of your finances because each area affects the others. Your estate plan affects the tax strategies you use, and your risk management affects the investment strategies, etc.

Financial planning areas should not be addressed in isolation.

So, you must work with someone who has knowledge and experience in each topic.

This knowledge also allows the advisor to be the quarterback of the financial team. With knowledge in every area of financial planning, they are able to put a comprehensive plan together and coordinate with other financial professionals.

A qualified advisor can work with CPAs, insurance agents, and attorneys to utilize their areas of specialization while also ensuring their recommendations meet the needs of the client.

Much financial planning today is narrowly focused on one area of the financial plan.

Insurance agents, for example, sometimes offer “financial planning” that involves buying one-size-fits-all life insurance products to meet all your financial needs. But that’s not the way financial planning should be.

Financial planning should be comprehensive, and should almost always include more than one recommendation and strategy.

A financial planning degree is essential for comprehensive planning, which is why we require all our advisors who meet with clients to have them.

Paul Winkler, Inc. Cookeville address:

2370 Quinland Lake Drive

Suite 111

Cookeville, TN 38506

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For more information about what we do, schedule a 15-minute chat with an advisor.