About Everflow
You're not too small for serious advice.
Everflow Income Advisors is an income-focused investment firm built for people who have worked hard and saved $100,000 or more. You deserve serious expertise, personal attention, and someone who takes your goals to heart.
Who we serve
If any of this sounds familiar, you're in the right place
"I feel behind."
Retirement is getting closer, and you're not sure your savings will be enough.
"Big firms overlook me."
Many large firms set high minimums, or pass smaller accounts to call centers and junior staff.
"I'm frustrated."
Market swings, confusing statements, and advice that never seems to fit your real life.
"Does anyone care?"
You want someone who knows your name, answers your call, and takes your goals seriously.
At Everflow, you're never "a small account." You're the reason we exist.
What you can expect
Top-tier service, regardless of account size
A fiduciary, always
We are legally and ethically bound to act in your best interest, with honesty, full disclosure of any conflicts, and advice aligned with your goals.
Direct access to our founder
Your portfolio is guided by Paul Kindzia, CPA, CFP®, not handed off to a call center or a rotating team.
A portfolio built around income
Every recommendation starts with one question: how do we create dependable cash flow for the life you want?
Your assets at Charles Schwab
Client accounts are held in your name at Charles Schwab & Co., Inc., a leading independent custodian. We manage the strategy; Schwab holds the assets.
No judgment, and no piles of paperwork.
We never ask for bank statements, debt records, or your full financial history.
Meet our founder
Paul Kindzia, CPA, CFP®
Paul founded Everflow to bring institutional-quality, analytical investment thinking to everyday investors. Known as the "Cash Flow King," he leads the firm's research and portfolio strategy, studying income sectors that traditional managers often ignore.
His career began at Ernst & Young LLP, as a CPA and consultant in its Atlanta office and national headquarters in Cleveland. More than 35 years later, he has never stopped learning, and is currently enrolled in the Corporate Finance Certificate Program at the Wharton School of the University of Pennsylvania.
CPA
State University of New York, 1992
MBA
Corporate Finance, SUNY, 1994
CFP®
Certified Financial Planner
Wharton
Corporate Finance Certificate Program
Our philosophy
Replacing earned income with reliable cash flow
We specialize in generating meaningful income through carefully selected investments across public and private markets: interest, dividends, rents, and royalties, plus more than 14 income sectors that traditional 60/40 portfolios rarely use.
As a boutique firm, every recommendation is tailored to your goals. True financial success isn't just about growing wealth. It's about the independence to live on your own terms.
"You've done the hard part by saving. Our job is to turn those savings into income you can count on, and to treat you like you matter, because you do."
Paul Kindzia, Founder
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