Watershed Wealth

The firm is an independent registered investment adviser that provides portfolio management and financial planning to individuals, high‑net‑worth clients, charitable organizations, and employer‑sponsored retirement plans. Services include discretionary and non‑discretionary managed accounts, retirement plan consulting and participant education, and coordination of insurance or annuity solutions through third‑party platforms.

Investment advice is tailored to each client’s objectives, time horizon and risk tolerance and commonly incorporates asset allocation, dollar‑cost averaging, technical analysis, and both long‑ and short‑term holdings; the firm may also recommend outside managers for portions of client portfolios. It delivers these services through managed account programs and independent custodians and advises clients to consult tax professionals because strategies may have material tax implications.

Notably, with roughly $18.7 million in assets under management, the firm provides ongoing portfolio management and consulting to employer‑sponsored retirement plans and other institutional clients—an offering that is less common among independent advisers of this size. The firm uses third‑party retirement and insurance platforms (with disclosed revenue‑based arrangements where applicable), maintains CFP credentialing, and shows active involvement in community and nonprofit governance, which collectively shape its advisory footprint.