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About Waterstone Financial Services

Your Financial Thinking Partner

Established in 2005, Waterstone Financial Services is designed to help clients before, during, and after life changes such as career transitions, retirement, divorce, death of a spouse, and others.

Where we shine is our ability to understand not only your finances but also your hopes, dreams, goals, and fears. We call this being a thinking partner.

Financial Experience and Knowledge

We offer a variety of financial services to help you deal with financial risk, asset allocation, and portfolios.

We carefully review and continually refine the processes that we and our clients use to:

  • Gather meaningful data.
  • Format a clear plan.
  • Assess the probability of success.
  • Implement strategies.
  • Report clearly and accurately.
  • Help you understand what it all means to you.

When Life Happens

We have life transition consulting skills and earned the Certified Financial Transitionist (CeFT®) credential.

What people do when faced with major life changes can be as individual as they are. During times of transition, many people experience challenges that interfere with their readiness to move forward with plans they had made or their ability to think and act clearly.

Change is constant, and we clearly can't guarantee it will be easy. What does help is the individual and personal approach we take to guide you through it.

Have a Little Fun Along the Way

A WFS specialty is hosting fun events in which our clients enjoy entertainment or an interesting discussion spiced with good food. The pandemic, of course, has halted those activities. We look forward to being able to resume them when it's safe to do so.

Past examples include:

  • "Soup 'n' Cinema" nights to view an interesting movie and discuss it afterwards.
  • Discuss a relevant book that adds to our understanding of the world.
  • A session explaining our "Household Notebook" concept and distributing a workbook to help our clients create one.

Waterstone Financial Services: Form ADVs

American Portfolios Form ADV Part 2A Brochure (2021)
AssetMark Form ADV Part 2A Platform Disclosure Brochure (2021)
Advisors Capital Management Form ADV Part 2A Firm Brochure (2021)
Kathleen Roth Individual APA Form 2B (2021)
Joshua DeJohn Individual APA Form 2B (2021)

Money isn't everything, but money touches everything.

Your Financial Planners

 A well-balanced team that addresses the predictable and unpredictable issues of financial life.

 A combined set of experience and training unusual in the industry.

 A broader focus, viewing American financial life as the interplay of time, effort, and money.