Watters Financial Services, LLC

Watters Financial Services, LLC is a Registered Investment Advisor (RIA) established in 2007, based in Paramus, NJ. The firm specializes in wealth management, business retirement plan consulting, and portfolio reviews. They are an independent firm not affiliated with any investment firm, bank, or insurance company, and they do not sell investment products or insurance policies. Watters Financial Services operates on a Fee-Only compensation model, ensuring objective and unbiased advice for clients. The firm upholds a Fiduciary Standard of Care, legally required to act in the best interests of clients. All advice is provided by CERTIFIED FINANCIAL PLANNER™ Professionals. For wealth management clients with assets over $500,000, the annual fee ranges from 0.60% to 1.00% based on assets under management. The firm offers investment discretion, allowing clients to choose between discretionary or non-discretionary management. Investment strategies include mutual funds, ETFs, bonds, and tailored financial planning services. The firm does not charge performance-based fees or engage in side-by-side management. Watters Financial Services serves over 100 families, managing over $170 million in assets, with an average client tenure of 15 years. The firm caters to business owners, corporate executives, professionals, and individuals transitioning to retirement. The firm's principals, Timothy J. Watters and Colin R. Watters, are CERTIFIED FINANCIAL PLANNER™ Professionals with extensive experience in the financial industry. The firm's brokerage practices involve Charles Schwab & Co., providing custody, trade execution, research, and access to institutional products. Watters Financial Services does not receive soft dollars or compensation for client referrals. The firm does not vote proxies on behalf of clients and maintains transparency in all financial dealings. Timothy J. Watters oversees all operations and ensures compliance with the firm's Code of Ethics. No disciplinary actions have been taken against the firm or its principals.