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The fee is billed in advance and is negotiable.","source":"10 13 2026 WAA FORM ADV PART 2A AND 2B FINAL, filed 13 October 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Winter & Associates use?","answer":"Winter & Associates’ separately managed account assets are held at Charles Schwab & Co., Inc. (El Paso, TX), with $97.4M and Pershing LLC (Jersey City, NJ), with $69.6M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Winter & Associates have?","answer":"Winter & Associates has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Winter & Associates invest in?","answer":"At the end of its last fiscal year, Winter & Associates’ separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 22% exchange-traded equities, 3% state and local bonds, 3% cash and equivalents, 1% U.S. government and agency bonds and 1% investment grade corporate bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Winter & Associates?","answer":"Winter & Associates’ direct owners are Nicole Tietel (75% or more) and Shelby Birkeland (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 18 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Winter & Associates get paid?","answer":"Winter & Associates is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Winter & Associates registered with the SEC?","answer":"Yes, Winter & Associates has been registered with the SEC as an investment adviser since 2 February 2022. Its CRD number is 310349 and its SEC file number is 801-123146.","source":"Form ADV Part 1A, Item 1, filed 18 August 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Winter & Associates?","answer":"Winter & Associates’ main office is at 964 Grand Avenue, St. Paul, MN 55105. Its phone number is 651-414-5000. 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