Atlanta, GA Peachtree Rd NW Office

Waterloo Capital is an SEC-registered multi-team adviser that primarily serves accomplished entrepreneurs, individual and high‑net‑worth clients, trusts, retirement plans and other entities; the firm generally requires a $1,000,000 minimum and operates through a network of 51 advisor representatives managing roughly $2.26 billion for about 2,600 clients. Services include direct investment management (discretionary and non‑discretionary), access to third‑party sub‑advisers, comprehensive financial planning and consulting, referral arrangements for tax services through an affiliate, and educational seminars.

The firm builds customized portfolios using fundamental analysis and a largely long‑term, buy‑and‑hold orientation, with periodic rebalancing and at‑least‑annual client reviews; Waterloo also accesses model portfolios and third‑party sub‑advisers (including an affiliated sub‑adviser) to implement strategies. Waterloo’s platform can encompass a broad set of investment tools — from mutual funds and ETFs to options strategies, private placements, structured products and securities‑backed lending — and it offers an integrated cash and lending solution through a third‑party fintech partner.

Several business relationships that are less common among multi‑team peers are notable: Waterloo operates as an insurance agency, some advisory personnel are registered representatives who may receive commissions and broker‑dealer compensation, and the firm has a revenue‑sharing arrangement with a cash/lending provider. These affiliations and compensation arrangements are disclosed in the brochure and described with related conflict‑of‑interest considerations and mitigation steps.