Waters, James J.

The firm provides investment advisory and portfolio management services primarily to retirement vehicles and institutional clients, including 401(k) plans, pension and profit‑sharing plans, IRAs, trusts, corporations and not‑for‑profits. Services cover both fixed income and equity portfolio advice implemented largely through mutual funds and are tailored to each client’s needs and objectives.

Its investment approach emphasizes strategic asset allocation across broad asset classes, implemented predominantly with no‑load, lower‑expense mutual funds, periodic rebalancing, and a long‑term buy‑and‑hold orientation informed by fundamental, quantitative and qualitative research. Advice is delivered on a non‑discretionary, consultative basis, with distribution planning for retirement accounts explicitly shaping asset allocation recommendations.

Notable distinctions include the firm’s provision of pension consulting services and the availability of hourly engagement billing for consulting work—features that are relatively uncommon among managers focused on pooled and institutional assets. The firm is a single‑adviser start‑up whose principal brings more than five decades of investment and pension experience, including a professional fellowship in pension actuarial/administration, which underpins its focus on plan-level pension and distribution issues.