A complete list of active advisors currently associated with Waterford Financial Management, LLC

Warmer can help you find a great advisor at Waterford Financial Management, LLC or one who fits your needs even better.

Waterford serves primarily private individuals with tax‑qualified retirement accounts and fully taxable accounts, providing ongoing discretionary investment management and financial planning; it also offers stand‑alone planning and project‑based consulting. The firm periodically provides consulting to employers with defined‑contribution plans and offers limited tax‑preparation services for relatively simple returns. Operating as a fiduciary, Waterford uses five standardized risk‑rated portfolios (1–5) as the starting point for client allocations while allowing customization when client circumstances or plan limitations require deviations. Portfolios can include exposure to as many as 13 asset classes, blend active and passive funds, and may include individual securities when needed for tax control or specific exposure; tactical allocations are reviewed quarterly and individual-stock selection relies in part on intrinsic valuation techniques such as discounted cash flow analysis. Compared with many solo independent advisers, Waterford’s willingness to provide pension/defined‑contribution consulting, implementation services, and basic tax work is a distinguishing feature. The firm’s senior adviser holds both CFA and CFP credentials, and the practice documents policies on ethics, trade aggregation, and personal trading approvals while favoring gradual implementation of large lump‑sum investments.

To learn more about the advisors currently working at Waterford Financial Management, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name
Location
Years of experience
Jonathan Phelan profile photo Jonathan Phelan
Fair Haven, MI
15
Warmer team member

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")