TrueWater Wealth
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$73,812,465
Clients
133
Advisors
3
of 7 employees
About
Truewater Wealth serves individual and business clients, including qualified retirement plans, with a mix of portfolio management, financial planning, pension consulting, and tax and accounting services. The firm provides ongoing discretionary investment management alongside tax preparation, bookkeeping, payroll, and other accounting engagements that clients may contract for separately.
The firm typically begins relationships with an initial consultation to document goals, risk tolerance and a target asset allocation, then implements strategies on a discretionary basis across stocks, ETFs, bonds, mutual funds and, where appropriate, digital assets. Truewater Wealth also supports retirement-plan work, offering ERISA §3(21) consulting and, when contracted, §3(38) investment manager services, and uses a third‑party platform to advise held‑away defined‑contribution accounts without taking custody.
What distinguishes Truewater Wealth from many peers is its integrated RIA/CPA model: the firm operates as both a registered investment adviser and a certified public accounting practice, and roughly 60% of its business is focused on accounting and tax services. The firm has formal policies around the use of third‑party, AI‑enabled tools (with human review and a prohibition on using client MNPI) and includes staff expertise in blockchain and digital assets, which inform its broader service mix.
Client services
Occupation focus
Fee options
Fixed fees for financial plans up to $7,500, billed 100% in advance or upon delivery; annual updates range from $350 to $750; waived if client contracts for portfolio management
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,500,000: 0.90% $2,500,001 - $5,000,000: 0.80% $5,000,001 - $7,500,000: 0.70% $7,500,001 - over: 0.60%
Financial planning services billed hourly at $200 per hour for time expended if terminated early
Account minimum: $250,000 Minimum fee: Minimum annual household fee of $1,000 for investment management services (may be waived or reduced at firm's discretion) Fee-only: Fee-only investment management; no commissions on sales of securities or investment products
Main office
818 Jimmy Buffett Memorial Highway, Suite 100
Ponte Vedra Beach FL 32082
Advisors at this office
3
Most active in
Florida · Georgia
Also doing business as
Ponte Vedra Wealth · Ponte Vedra Wealth, P.A. · Ringeisen & Worrell · Ringeisen & Worrell, P.A. · Rw Wealth · Truewater Wealth · Truewater Wealth, P.A.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Danny W
Ponte Vedra Beach, FL
TrueWater Wealth
Danny Worrell is a financial advisor at Truewater Wealth with 26 years of industry experience. He previously worked at Ringeisen & Worrell, P.A. for 31 years before joining Ponte Vedra Wealth, P.A. in 2025. Truewater Wealth serves individual and business clients with portfolio management, financial planning, pension consulting, and tax and accounting services. The firm combines discretionary investment management with tax preparation and other accounting engagements, operating as both a registered investment adviser and a certified public accounting practice.
Gregory C
Series 66
Ponte Vedra Beach, FL
TrueWater Wealth
Gregory Chapas is a financial advisor at Truewater Wealth with four years of industry experience. He holds a Series 66 designation and has worked at Ponte Vedra Wealth and Fortress Wealth Planning, among other firms. Outside of his advisory role, he coaches middle school lacrosse for Bolles Prep and the Bolles Bombers Summer Lacrosse league. Truewater Wealth serves individual and business clients with portfolio management, financial planning, pension consulting, and tax and accounting services. The firm operates an integrated RIA and CPA model, providing discretionary investment management alongside comprehensive accounting and tax services.
Nora W
Series 65
Ponte Vedra Beach, FL
TrueWater Wealth
Nora Wilson is a Series 65-licensed financial advisor at TrueWater Wealth with 12 years of industry experience. She previously worked at Ringeisen & Worrell, P.A. for 13 years before joining Ponte Vedra Wealth, P.A. in 2025. TrueWater Wealth serves individual and business clients with a combination of portfolio management, financial planning, pension consulting, and tax and accounting services. The firm operates as both a registered investment adviser and a certified public accounting practice, offering integrated solutions that include discretionary investment management and specialized retirement-plan consulting.
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