Frederick J. Payne, Jr., CFP®
Founder, Investment Advisor
Fred has worked in the financial services industry since 1985 working primarily with Wealth Management clients and qualified retirement plans. Although he started in the brokerage business, his services then principally involved consulting on third-party portfolio management. In 1995, he founded Retirement Plan Service Corp, one of the predecessor companies to Heintzberger Payne & Co., LLC—an actuarial and recordkeeping business subsidiary sold by NWCM in April, 2016. Because of his experience as a third-party administrator, Fred has extensive knowledge of the technical and regulatory aspects of retirement plan operations.
However, Fred has always considered himself first and foremost an investment advisor. He earned the Certified Financial Planner® designation in 1996 to better advise his Wealth Management clients. In 1998, he transitioned his fee-based investment practice to his own firm when he registered Northwest Capital Management, Inc. with the SEC.
In 2019, Fred sold all of his shares in NWCM to Brent Petty, his colleague of 15-plus years. Simultaneously, Fred executed a 10-year employment agreement which relieved him of most corporate responsibilities to focus on his wealth management clients and a few long-standing Plan Sponsor clients. Fred has a keen interest in investor education and issues associated with aging. He has developed two websites, OurFourthAge.com and Do12things.com, to promote his writings on these subject matters.
Fred remains a Director of NWCM and is a voting member of NWCM’s Investment Committee.
Fred is a graduate of the University of Notre Dame.