Watershed Wealth
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Watershed Wealth is a small, independent advisory firm that serves individuals, high‑net‑worth clients, charitable organizations, corporations, and employer‑sponsored retirement plans. The firm provides investment management (both discretionary and non‑discretionary), financial planning, and retirement plan consulting, and may facilitate insurance and annuity solutions through third‑party platforms.
The firm emphasizes tailored advice and asset allocation, using techniques such as dollar‑cost averaging, technical analysis, and both long‑ and short‑term purchases, with client accounts reviewed at least quarterly. Watershed reports approximately $18.7 million in assets under management, split between discretionary (~$12.1M) and non‑discretionary (~$6.6M) mandates, and combines portfolio management with ongoing planning and plan‑level oversight.
Notably, Watershed offers institutional‑style retirement plan consulting and may utilize the Betterment at Work platform for plan services, a capability that is less common among solo independent advisers. The firm integrates third‑party providers (including a DPL process for commission‑free insurance implementations and custodial relationships with Altruist and Betterment Securities) and discloses potential non‑monetary support or revenue‑based arrangements from those partners while stating it bases platform and product recommendations on client needs.
Client services
Expertise
Fee options
Flat fees may apply for separate financial planning services (amount not specifically stated)
up to 1.5% annually, negotiable and based on asset size and complexity
Hourly fees for separate financial planning engagements in unique circumstances (amount not specifically stated)
Minimum fee: $1,000 annual minimum fee for individual clients; $1,500 annual minimum fee for family households Fee-only: Advisory fees primarily asset-based; financial planning fees generally included but may be charged separately as flat or hourly fees in unique cases
Main office
1223 S State Ave, Suite B
Alpena MI 49707
Advisors at this office
1
Most active in
Michigan
Also doing business as
Watershed Wealth · Watershed Wealth Management LLC
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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
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