PAUL KINDZIA
People often ask me how I’ve managed to make time for so many things I truly enjoy in my life—so I thought I’d share that with you here...
Why Am I Sharing My Story....
I’m not sharing my story to impress you—but to show you what’s realistically possible. Passive income gave me back my time and let me say “yes” to the things that bring me joy. I want the same for you. My mission is to help people like you create a life that isn’t all work and no play.
I’m sharing my story because I’ve been where you are—working hard, chasing time, wondering if there’s another way. The truth is, there is another way. Passive income gave me freedom, and now I help others create that same freedom so they can spend more time living, not just working.
I'm sharing my story because I want you to see what's possible. Building passive income has given me the freedom to enjoy life on my terms—and I truly believe that kind of freedom is available to you, too. If you’ve ever wished for more time, more peace, or more fun in your life, I’m here to help you make it happen.
PASSIVE INCOME
How I Built Passive Income and Got My Life Back
Several years ago, I realized something: I was working hard, saving money, and doing “all the right things,” but I wasn’t actually living the life I wanted. I was constantly checking emails, managing tasks, and watching the clock. The idea of taking a spontaneous trip or spending a weekday afternoon doing something I enjoyed felt like a fantasy.
That’s when I decided something had to change.
I started focusing on building passive income—income that didn’t depend on trading hours for dollars. I wasn’t looking for some overnight get-rich scheme. I wanted smart, dependable strategies that protected what I’d worked hard to earn and gave me cash flow I could count on.
I invested in a mix of real estate, dividend-paying assets, and private income opportunities that aligned with my risk tolerance. Over time, those income streams began to grow—and so did my freedom.
With that freedom: I spent more time doing what I truly enjoyed doing:
- Playing the Piano
- 20+ marathons
- 3 time author
- 13 time Ironman Finisher
- Bass Guitar Player
- Dog Rescuer
- Husband
- CEO of Wealth Management Firm
- IBJJF Certified Jiu-Jitsu Blackbelt
- Salt Water Fisherman
- Scuba Diver
- Barn Builder
I didn’t need to be a millionaire. I just needed reliable income that gave me options.
And that’s what passive income really is: freedom to choose how you spend your time.
The Formal Bio
President and Founder of Kindzia Investments
With over 35 years in the financial services industry, my approach combines technical expertise with a genuine focus on what matters most - your time, relationships, and financial independence.
My career began at Ernst & Young LLP, working as a CPA and consultant in both their Atlanta office and national headquarters in Cleveland. This foundation in corporate finance and accounting provided invaluable insight into how businesses operate and create sustainable value.
Professional Credentials That Matter:
- Certified Public Accountant (CPA) with an accounting degree from the State University of New York (1992)
- MBA in Corporate Finance from the State University of New York (1994)
- Certified Financial Planner (CFP®), requiring rigorous examination, extensive experience, adherence to a professional Code of Ethics, and ongoing education to stay current with financial strategies and trends
A Fiduciary Commitment: As a fiduciary, I am ethically and legally bound to act in your best interests at all times. This fundamental commitment means:
- Putting your financial interests ahead of my own
- Acting with honesty, integrity, and good faith
- Avoiding conflicts of interest and disclosing any potential conflicts
- Providing all relevant facts to help you make informed decisions
- Ensuring the advice provided is accurate, thorough, and aligned with your specific goals
This fiduciary standard provides you with the highest level of care and transparency in our advisory relationship.
I grew up in the 1970’s and 1980’s in Niagara Falls, New York which is a blue collar city on the western end of New York right on the Canadian border. I did not grow up with money. I was raised in a family with 6 children. For a period of time, my great-grandmother even lived with us. The 9 of us would have to share a single bathroom. My father was a union electrician who worked commercial construction jobs often in chemical plants with hazardous materials. My mother was a stay-at-home Mom but was educated as a nurse. Living on a single inconsistent construction paycheck was no easy task for my parents.
To earn additional income, my parents opened and operated a bait and tackle store as we lived extremely close to the lower Niagara River across from the Canadian border. That’s where I got my first taste of hands-on business experience. We sold worms, crabs, leeches, minnows, grubs and fishing tackle. I was the kid who got on the school bus while other kids yelled, “WORMS!”
Most kids enjoyed playing with Gi I Joe's but I was the nerdy kid that carried around a brief case and counted my money.
When my grandmother gave me cash for birthdays I would ask her to give me single bills instead of a $10 so I could fill my briefcase faster. And that's how my 35+ years in finance started. I earned my undergraduate accounting degree from the State University of New York (1992) and an MBA in corporate finance from the State University of New York (1994) . Then my career started as a CPA and consultant at the international firm Ernst & Young LLP working in both the Atlanta, GA office and in the national headquarters office in Cleveland, Ohio. With my desire to work with individual clients rather than corporate entities, I left the corporate world and became the original founder of Niagara Financial Advisors, LLC an SEC registered investment advisory firm in Alpharetta, Georgia. as a Certified Financial Planner. With a goal of assisting clients to achieve a wealthy, healthy, and happy lifestyle that is geared towards meaning and personal fulfillment, he then founded Kindzia Investments which is now located in Johns Creek, Georgia.
With 6 kids in the house fishing was the one thing that bonded us as father and son.
Growing up fishing with my dad holds some of my fondest memories. As a child the time we spent together created a unique bond between us, filled with laughter, stories, and life lessons that shaped my love for the sport.
My Years As An Ironman Triathlete
2.4 mile swim, 112 mile bike, 26.2 mile run = 140.6 miles of endurance
Completing an Ironman is not just about the race itself; it's the culmination of unwavering commitment and extensive training. Preparing for this grueling event requires consistent dedication to both endurance and strength training. Athletes must also learn how to effectively fuel their bodies to maximize performance over a long day of racing. This experience parallels my love for Jiu-Jitsu, where the dedication to continuous improvement keeps me invested in both pursuits. Once I crossed that finish line, the exhilaration ignited a plan for my next race.
In Jiu-Jitsu, the relationships formed are built through mutual respect and technical sparring, but in Ironman, the camaraderie takes on a different flavor. While training for endurance events, all participants have a common goal, and this shared journey encourages us to support each other wholeheartedly. Whether it's celebrating personal triumphs or offering words of encouragement during tough times, the friendships created through Ironman training are truly special.
The End Of My Ironman Journey
My last Ironman, which marked my 13th race, proved to be a challenging and unexpected journey, as it didn’t unfold as I had hoped. Leading up to the event, I had trained diligently, yet something felt off. Little did I know that I was grappling with a significant health issue: my first brain tumor, which would later explain the struggles I faced during the race. As I crossed the finish line I felt such a bittersweet mix of accomplishment and frustration. From that moment on, Angela (my wife) and I closed the chapter on our Ironman experiences.
Jiu-Jitsu
My Love For music
My Family
I met my wife Angela in 2007 and I knew she was the one when she told me she was "debt free, loved Ironman Triathlon, and had a passion for helping animals."
We often joke that our household runs on my love for Jiu-Jitsu and her love for animals. I immerse myself in the world of Jiu-Jitsu while she dedicates her time to rescuing and caring for animals in need.
My wife's love for rescuing animals is as intense as my passion for Jiu-Jitsu, creating a unique dynamic in our lives that highlights our shared commitment to making a difference. Over the past 15 years, we have dedicated ourselves—primarily Angela—to rescuing and nurturing hundreds of dogs and feral cats in need. Angela’s tireless efforts to trap and release feral cats exemplify her unwavering compassion and determination, as she engages in this never-ending endeavor to help reduce the stray population and improve their quality of life. Each animal she rescues becomes a part of our journey, bringing joy and fulfillment to our lives, while simultaneously presenting new challenges and adventures. Watching her work selflessly to provide these animals with a second chance inspires me as we blend our passions into a shared mission of care and compassion. Our home has become a haven for these rescued creatures, filled with love and dedication, reflecting our belief that every life, no matter how small, deserves a fighting chance.
We both thrive in an active lifestyle, finding joy in activities that challenge our bodies and invigorate our spirits. Colorado, with its stunning landscapes and breathtaking mountain vistas, holds a special place in our hearts.
4 Brain Tumors Over 14 Years
My 14-year battle with four brain tumors has been a journey filled with challenges, resilience, and unwavering determination. Diagnosed years ago, I faced an uncertain future that required me to adapt and learn to navigate the complexities of living with tumors that affected my daily life. Through countless medical appointments, treatments, surgeries, and the ups and downs of managing symptoms, I discovered the strength within myself to confront adversity head-on. This experience not only taught me the importance of perseverance but also deepened my appreciation for the small, everyday moments that often go unnoticed. Along the way, I received immense support from my family, friends, and medical professionals, who became my pillars of strength and encouragement. Despite the hurdles, I've found ways to embrace life, pursue my Jiu-Jitsu passion, and inspire others facing similar challenges, transforming what could have been a limiting diagnosis into a testament of resilience and hope.
