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If you're looking for more information, please visit www.wtcwinnipeg.com or send me a direct message!

Paul Keefe

I create efficient tax and investment strategies for tenured Sales and Software Pros | Financial Advisor & Fractional CFO | Guiding you to a better and abundant financial life |

TFA’s mission is to enhance the present and future economic well-being of its clients and representatives. 

Baby Boomers are retiring every day.

The average baby boomer believes $300,000 is sufficient enough to retire on.

Do you think that's enough money? But before I answer that, here's my story:

I was on track to be a Chemical Engineer till 2020. But when I graduated, I was distraught with what the job requirements were. Putting myself first, I completely decided to quit the track.

No plan, no job in sight. I started to panic.
 
That's when my mom sat me down and told me to list the things I'm passionate about. Turns out personal finance and education were the top two on my list. Not shocking, considering I always had a passion for how money works. 
 
So, I started doing research for jobs in financial services. My goal was to implement my passion for financial education for everyone. 

Since then I've helped countless individuals, families, and business owners make easier financial decisions for their future.
 
Services I provide:

1. Portfolio Planning
2. Budget Creation
3. College Funding
4. Debt Reduction 
5. Retirement Planning 
6. Proper Protection
7. Tax Efficiency
8. Investment Allocation



What makes me different:
- Keeping you accountable to your goals
- Creating simple yet effective strategies
- Establishing a personal relationship
- Yearly reviews accounting for changes in goals and income

So to answer the question above, $300,000 is not enough money to retire on, in my opinion. But that's where I come in. 

If you want to learn more about how my clients are pursuing their financial goals, let's have a quick chat :)

Omkar Shinde

We spent $2,482 on our 4 day Austin trip last week.

And I never once worried about the cost.

Here's what we did:

• Flew down for our college friends wedding.
• Checked in on our 2 rental properties.
• Saw friends we haven't seen since last March.

The whole trip, I didn't open my banking app once.

I didn't swipe my card thinking, "Can I actually afford this?"

It was a done deal the moment we booked the flights.

Before the trip:

Travel fund? Funded.
Investments running on autopilot.
Rental income covering the mortgages.

So when it came time to show up—for the wedding, for our friends—I wasn't spending.

I was just using money that had been set aside months ago.

Most people skip trips like this.
Or they go and spend the whole time worrying about money.
Or spend frivolously piling on more debt.

I've worked with business owners making between $250k-$400k who can't take a week off without panicking about cash flow.

And I've worked with clients making $180k who travel twice a year without blinking.

I spent $2,482 in Austin last week. 

But I didn't feel it.
Nor did my bank account.

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I create efficient tax plans and investment strategies for Sales & Software Employees making $200,000+ | DM me “W2” for an intro call.

I was one signature away from a $640/month Jaguar XE.

I walked out.

2020. Car dealership. Everything was ready:

• Credit cleared.
• Loan approved.
• Papers in front of me.

Monthly payment: $640/mo. 🤯

I glanced out the window.

My 2012 Subaru was sitting right next to the Jaguar.

• Runs perfectly.
• 63,000 miles.
• Paid off.

And I thought: "What am I doing?"

I backed out. Drove home in my Subaru.

Took that $640/month and put it toward retirement instead.

$640/month for 4 years = $30,720.
At 8% annual return over 40 years?

That turns into $1,023,000.

One decision.
One signature I didn't sign.
Worth over a million dollars in retirement.

I didn't drive a nice car for 2 years.

But I wasn't trading my future for a car payment.

P.S: I bought the Jaguar 2 years later at a cheaper price.

Just dropped ₹2,49,334 in India for my wedding outfits.

That's about $2,500. Here's the best part:

It's not the fact that I saved A LOT of money.
Or I travelled to see family.
And reunited with everyone after 3 years.

Spending hard earned money on memories are the only dividends you need in life.

So ball out, my friend. You have my permission 🤑

2021: $13,293 in AUM.
2022: $17,345 in AUM.
2023: $873,871 in AUM.
2024: $6,312,009 in AUM.
2025: $12,429,991 in AUM.
2026: ???

Everyone starts the race at the starting line.
But you choose how long you want to keep going.

You stick to your job.
Let time do the rest.

My parents were stuck in Qatar for 168 hours after the US decided to strike Iran.

I've never felt more helpless in my life.

There's no lesson here. Just a reminder:

Hug, kiss, and tell your loved ones how much you appreciate them every single moment you get.

The world is an unpredictable place. 

P.S: My parents are back home, safe and sound! If you had a loved one who was affected, I'm praying for their safety too.

My client pays $1,200/year for life insurance.

He has no spouse. No kids. No mortgage.

Who exactly is he protecting? I asked him that last month.

35 years old.
Software engineer.
Making $280K.

"Who's this for?" He paused.
"I don't know. My colleagues told me I needed it."

If you're single with no dependents or debt, life insurance is a waste of money.

Nobody relies on your income.
You're just paying to protect people who don't need protecting.

I have another client—Engineer at Google.

42 years old.
Married with 3 kids.
$450K mortgage.
$410K household income.

If he dies tomorrow, his family loses everything.

He's paying $15,000/year across everything:

$2.5M Term for him.
$2.5M Term for his wife.
Max Funded Permanent Policy for Tax Benefits.

That's not a waste.
That's the smartest $15,000 he spends every year.

If people depend on your income, you need life insurance.
If they don't, you're lighting money on fire.

Stop buying insurance because "someone" told you to.
Start buying it because someone actually depends on you.

DM "LIFE" for a free insurance review—I'll show you exactly what you need (and what you don't).

Between Feb 14th and Feb 27th, I made $11,344.

While working from this 162 sq. ft room in my Grandma's house in India.

Been to India 4 times in the last 4 years I've been working for myself, and it always gives me a sense of gratitude.

I wasn't in an office.
I wasn't tied to a desk.
I wasn't asking for time off.

I was halfway across the world. And my business kept running.

Everyone talks about this freedom.
Yet nobody wants bad enough to actually live it.

The money will come and go. 
But the memories, the time and the health all erode away.

It's all about control. 

Control over your time.
Control over your income.
Control over your location.

When you work for someone else, you need permission to take vacation.
When you work for yourself, you decide when and where you work.

I'm not saying it's easy, but it is simple.


Start small.
Build on the side.
Figure it out as you go.

Because once you build it?

You get to live life on your terms.

What's stopping you from starting today?

Because the alternative is spending the next 40 years watching someone else control your life.

If you max out your 401(k), you will be fine.
If you invest in Real Estate, you will be fine.
If you max out your Roth IRA, you will be fine.
If you invest in your brokerage, you will be fine.
If you contribute to a 529 plan, you will be fine.
If you work with an accountant, you will be fine.
If you have Term Life Insurance, you will be fine.
If you have a Auto or Student Loan, you will be fine.
If you implement at plan at 45 instead of 35, you will be fine.

All in all, if you're doing the basics, you will be just fine.

BUT...

Doing basic work will get you basic results.

It won't get you the life that you want to live, instead it will make you live the life that you silently judge others on.

Don't let that be you. 

Start now. Start today. 

My DMs are open.

I lost a client 6 weeks after they started working with me.

He agreed to everything..... at first.

Then did none of it.

This client was a referral from an existing client.

• Married with 2 kids.
• $250K household income.
• 7 rental properties with $1,500/month cash flow.
• HELOC at 8% on his primary house.

If he lost his job, this house of cards would collapse fast.

So I put together a plan:

• Pay off the HELOC ASAP.
• Get his wife a part-time job while looking for full-time.
• Sell the underperforming properties before it's too late.

He agreed to everything. Then did none of it.

6 weeks later, he fired me.

My first thought: I'm not good enough.

Maybe my plan was wrong.
Maybe I invested at all-time highs when I should've waited.
Maybe I pushed too hard.

I replayed every conversation trying to figure out where I screwed up.

But after talking to him:

He said he wanted change. He just didn't want to do anything differently.

Agreement isn't commitment.
And I can't want it more than he does.

I spent 6 weeks trying to save someone who didn't think he needed saving.

That's on me for not seeing it sooner.

Not every client relationship works out.

And that's okay.

Now I know the difference between someone who wants help and someone who just wants validation.

Credit card points are a scam.

No single card has all the benefits you want.

• Chase Preferred has great travel partners.
• Amex Platinum has lounge access.
• Capital One has hotel transfers.

So what do you do?

You open 3, 4, 5 cards to "maximize" your points.

Now you've got 47,000 points with Chase, 32,000 with Amex, 19,000 with Capital One.

None of them are enough to book anything good.

So you're stuck waiting, accumulating, spreading yourself thin across multiple programs.

And to actually maximize points, you have to spend a ton of money.

"Earn 5x on travel!"
"Get 3x on dining!"

Cool.

I need to spend $20,000 to earn enough points for a $600 flight?

That's not a reward.

That's just spending money with extra steps.

I've had clients tell me they opened 6 credit cards in one year, chasing sign-up bonuses, trying to game the system.

And now they're juggling payment dates, annual fees, and point expiration dates like it's a part-time job.

(Some are scared to close accounts because it'll affect their credit score)

All to save $400 on a vacation they could've just paid for.

If you're spending money you wouldn't normally spend just to earn points, you're not winning. You're getting played.

Pick one card, use it for everything, pay it off every month.

And if you want to travel, save the cash.

Points aren't free money. They're a loyalty tax disguised as a reward.

What's the point of making $600K if you're still living like you make $60K?

Here's the biggest myth you're falling for:

High income = Financial literacy.

It's the exact opposite: 
Sales employees making insane money with no idea where it's going.

Here's what I've seen in the last year:

• $12M net worth client paying $180K in taxes he could've reduced by 40%.
• Prez Club client making $400K with $12,000 left in his account at the end of the year.
• Real Estate believer with 7 rentals, buying his 8th property but losing $2,500/month in cash flow.

You can make $600K and still be broke.
Because income doesn't solve a bad mindset.

I've worked with people making $150K building wealth faster than people making $500K.

Why?
Because they have a plan.
Or they're working with a team like mine.

Making money is one skill.
Managing it is another.

If you're making great money but still feel broke, the income isn't the issue.
The system is.


P.S: What's your biggest money habit you wish you could change?

Between Feb 14th and Feb 27th, I had 6 qualified inbound leads.

From a time zone that's 12.5 hours ahead.

I didn't listen to Alex Hormozi:

I didn't run ads.
I didn't cold call.
I didn't send a single email.

People found me.
Because I've been building a personal brand for 3 years.

Most people think personal branding is for influencers or creators.

Nah. It's for anyone who wants opportunities to come to them instead of chasing them.

Here's what a personal brand does:

→ It builds trust before you ever have a conversation.
→ It makes you visible when you're not in the room.
→ It opens doors you didn't even know existed.

I was halfway across the world in India. 
Asleep when these people reached out.

And they still found me.
Sometimes from posts that were 5-7 days old.

That's the power of showing up consistently online.

Your personal brand works for you 24/7.

And keeps paying dividends.

Every post you write.
Every insight you share.
Every story you tell.

It's building credibility that compounds over time.

While you're waiting for the "perfect time" to start posting, someone else with half your experience is building their brand right now.

And they're getting the opportunities you think you deserve.

The market doesn't care about your resume.
It cares about who shows up.

So you can either start building your brand today or watch someone else take your spot.

What's it going to be?

I've talked to 11 people in the last 2 weeks who hate their jobs.

All of them want out, but I bet $50 none of them will leave. 

All of these conversations have the same premises:

"I was sold a very different dream."
"I realized there's nothing at the top."
"I do a good job, and I'm rewarded with more responsibilities."

So what's stopping you?

"I have a mortgage."
"I've got kids to feed."
"My spouse doesn't work."
"I can't afford to take that risk right now."

I get it. Responsibilities are real.
Bills don't stop because you're unhappy.
And the job market is in turmoil right now.

Forgive me for being the voice that others are too scared to say out loud.

But here's the hard truth:

You have two options.

Option 1: Accept it.

Stop complaining about your job.
Stop dreaming about what could be.
Make peace with the path you're on.

There's absolutely nothing wrong with choosing stability.
But you don't get to be miserable for choosing it AND do nothing about it.

Option 2: Work 10x as hard and jump ship.

Wake up earlier.
Have a 5-9 before your 9-5.
Sacrifice weekends for the next 2 years.

It's going to suck.. it's going to be the hardest things you've done.

You'll be exhausted. You're eyes are going to be baggy.
You'll be Nespresso's top consumer.
And your free time disappears.

But eventually, you'll have options.
And options = freedom.

I have no children. 
But I have a to-be wife, a mortgage, and staff to pay.
My responsibilities might be slightly less worrying, responsibilities nonetheless.

But throughout my career, I've learnt:

You cannot stay comfortable while being miserable.
You either accept where you are or you fight to change it.

But you can't do both.

So which one are you choosing?


P.S: I'm looking for 3 people in Q2 who believe that they are meant for more, and believe they are the Option 2 path-takers. DM me "Option 2" and I'll reach out to see if my team can help.

At 34 years old, they make $430,000/year.

And don't save a single dollar.

I talked to this couple 2 weeks ago.

Here's what their reality looked like:

• $17,000 on credit cards.
• Two luxury car payments.
• $6,000/month mortgage.
• No emergency fund. $80,000 in an IRA.
• Rentals losing money every month because rent < mortgage.

Almost half a million in income.
Nothing left at the end of the month.

I could say they were reckless... but they were just stuck in the "we'll save next month" loop.

If your lifestyle scales with your income, you'll always feel broke—no matter how much you make.

So we built a system:

$3,600/month automated to investments and savings—comes out first, before any spending.
$8,000/month for fixed costs in one account.
$2,500/month guilt-free spending in another.

Every dollar now has a job.
But they'll have to cut back their lifestyle significantly.

And that's going to hurt for the first few months.

The system only works if they stick to it.
That's the hard part nobody talks about.

DM me "MONEY" if you're making good money but have nothing to show for it.

I'm stuck between a rock and a hard place.

Would you rather get licensed, work for a big box firm with a steady paycheck, with no ownership to gain experience?

Or

Would you get licensed, bet big on yourself with a variable income, have 1:1 mentorship with full ownership and gain experience along the way?

Asking for a friend.

P.S: I'm looking for the latter.

I had a prospect tell me last week he can't afford to pay me.

• 53 years old.
• Married with 2 kids.
• Combined household assets of $1.7M between IRAs and 401(k)s.

He can't afford 0.5%. That's $8,500/year.

I showed him how we'd save him nearly $650,000 in taxes in retirement.
(Very proud of that btw)

He still said no.

Meanwhile, I have another client.

• 42 years old.
• $800K in assets.
• Everything already optimized.

She doesn't need me. But she pays me anyway.

Her exact words: "I don't know what I don't know. And I'm not willing to find out the hard way."

One guy has $1.7M and won't spend $8,500 to protect $650,000.

The other has half that and pays me to make sure she's not missing anything.

If all you see is the $8,500, you're going to lose $650,000.

And that's not on me. 

Are you choosing cost or are you choosing value?

7 months into working with me, and she forgot about her RSU's from 2016.

They're -45% from her vesting date.

Here's what happened:

Client works for a renowned CRM company.
She got RSU's as part of her comp package. Typical.

Vested. 
Held onto them.
Never looked at them again.

Fast forward to now:

The stock tanked 45% since it IPO'd.
Most of her tax lots are down 60-70%.

She's sitting on a $60K loss she didn't even know existed.

It's normal.

Tech employees get RSU's and treat them like free money.
and they implement the "Vest-and-Hope" Strategy.

This happens more than you think.

But you see, RSU's aren't diversified.

They're tied to one company.
And if that company tanks, you lose.

So what did we do?

→ Tax-loss harvesting to offset her gains elsewhere.
Sold enough of her portfolio to offset some income tax and use the rest to offset capital gains tax.

→ Rebalanced her portfolio so she's not overexposed to one stock.
Something better to manage risk that's cost efficient, and meets their goals.

She went from sitting on dead weight to using that loss strategically.

RSU's are part of your compensation.
Not your investment strategy.

The moment they vest, you need a plan.

If you haven't touched your RSU's in years, 
you might be in the same boat.


P.S: If you need an RSU review/strategy and have no idea where to start, Dm me "RSU" and we can explore if working together is a good fit.

My client missed out on $47,300 in 2 years.

Despite working with my team.

He came to me in 2022:

• Switched jobs for higher pay.
• RSU's vesting over 3 years.
• 30% salary increase.
• Chunky sign-on bonus.

He was motivated to get everything in place financially.

But then he got cold feet.

The signs were all there:

• Kept pushing off meetings
• His internet would be down
• Expenses kept coming up
• Work kept him busy

Eventually, he ghosted us.
No replies for 12 weeks.

I gave up.

Cut to September 2024. He finally replied.

2 years later.

"Hey Omkar, hope all is well. I finally had a chance to sit down and analyze your plan."

I reconnected with him, excited to chat.

But his situation was completely different:

Got married.
Lived the same college lifestyle.
Bought a house he couldn't afford.

I couldn't take him on as a client.

Here's what he lost in those 2 years:
1. $12,500 in Roth contributions that would've grown to $18,200 at 8% annual return.
2. $15,000 in tax deductions he could've claimed.
3. $3,000 in interest he paid that could've been avoided.
4. $10,600 in RSU growth he missed by not rebalancing when he should have.

Total: $47,300.

Gone. Because he waited.

Don't be this guy. 2 years is a long time to pay for cold feet.

taplio

The Battle

Paul Keefe

Omkar Shinde

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The Battle

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Omkar Shinde

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