Our Services

Professional Services

At Cobblestone Financial Services, Clayton J. Winkler,  CFP®,  CPFA®,  BFA®  focuses on helping families and business owners create a strong financial foundation through three main areas of planning:

1) Family Financial Planning
Helping families grow and protect their wealth through:

• Investments – Building savings for short-term, mid-term, and long-term goals like college, retirement, and major purchases.
• Insurance Planning – Protecting what matters most with the right coverage.

Clayton works with families to create a complete investment plan using tools like mutual funds, stocks, annuities, bonds, ETFs, and 529 College Savings Plans, as well as other options.

In retirement planning, his goal is to help you create a reliable income plan for life. One of the biggest fears people have about retirement is running out of money. Clayton creates strategies so you can live comfortably and confidently, knowing your income needs will be met — or even exceeded.

The Core 4 of Family Insurance Planning:
Clayton focuses on four essential types of coverage to help protect your family’s financial future:

1. Life Insurance – Protects loved ones if something unexpected happens.
2. Health Insurance – Ensures access to quality care.
3. Disability Income Insurance – Protects your income if you can’t work due to illness or injury.
4. Long-Term Care Insurance – Provides for extended care needs later in life.

These coverages provide peace of mind by guarding against the biggest financial risks families face.

2) Family Estate Planning & Business Succession Strategies
Estate planning isn’t just for the wealthy — it’s for anyone who wants to control how their assets are managed and passed on to loved ones.

Unfortunately, many people either never create an estate plan or only complete half the job. They may set up documents like a Will or Trust, but fail to “fund” the trust — which means properly transferring assets into it.

Clayton helps families:

• Create a customized estate plan that reflects their wishes.
• Fund their trust and make sure all documents are complete and effective.
• Avoid leaving decisions to the state’s default plan and the probate process.

For business owners, Clayton also offers succession planning to protect the value of the business in case of:

• Unexpected events, like illness or premature death.
• Planned transitions, such as retirement or the sale of the company.

This ensures the business is protected and positioned for long-term success.

3) Business Employee Benefits
Clayton partners with business owners to design competitive, affordable benefit packages that help attract and retain quality employees.

These benefits can include:

• Group Retirement Plans – Such as 401(k)s, SIMPLE IRAs, and more.
• Group Health Insurance Plans – Quality medical coverage for employees.
• Additional Group Benefits – Such as life insurance, disability, voluntary coverage options, and AFLAC-type benefits.

By working with Clayton, businesses can offer great benefits at competitive prices, while also protecting their company and team.

Why Clients Choose Clayton
With over 25 years of experience and a strong commitment to faith-based values, Clayton provides more than just financial advice — he offers guidance, care, and long-term stability for families and businesses.

Clayton brings both deep expertise and the longevity needed to walk alongside clients for decades to come, helping them grow, protect, and pass on their wealth with confidence for the many decades ahead, God-Willing.