Waterstone Financial Services

Financial Planning, Life Transition Planning, Investment Management

Why Choose Us for
Your Financial Planning Needs?

Has your life or financial situation become more complex, requiring changes in your investments?

Have you moved past the common-sense solutions but don’t know how to take your investments to the next level?

Would you like help sorting through your investment options?

Do you need help to make calmer, more confident financial decisions?

Would you like to have a more successful and satisfying relationship with money?

Do you want a responsive professional who answers your questions, respects your time, and works hard to help you meet your goals?

Your Financial Planning Services

Designed to Meet Your Need To

Organize and manage your money to fund your dreams and plans.
Understand and be comfortable with how your money works for you.
Make confident decisions when things change.
 
We help you organize your finances to plan for your future and and your dreams. [More]

Financial Planning

We help you organize your finances to plan for your future and and your dreams. [More]
Our knowledge of and experience with investment strategies and options helps you decide what's right for you. [More]

Investment Management

Our knowledge of and experience with investment strategies and options helps you decide what’s right for you. [More]
Whether planned or unexpected, life situations happen that can change your options. [More]

Life Transitions

Whether planned or unexpected, life situations happen that can change your options. [More]
We provide support to clients dealing with insurance, taxes, and estate planning. [More]

Client Support

We provide support to clients dealing with insurance, taxes, and estate planning. [More]

Your Financial Planning Team

Kathy Roth, Certified Financial Planner, Certified Financial Transitionist, Waterstone Financial Services

Kathy Roth, CFP®, CeFT®

Joshua DeJohn, Financial Planner, Waterstone Financial Services

Joshua DeJohn


Check the background of our financial professionals on FINRA’s BrokerCheck


Contact Waterstone Financial Services for a complimentary initial consultation.

FAQs

  • Not every financial planner is certified, and there is no governing body regulating the “financial planner” title.

    A Certified Financial Planner is a professional who has successfully completed the requirements of the CFP® designation as defined by the CFP Board. This includes completing a course of study, successfully passing the certification exam, acquiring hands-on experience with clients, and complying with ethical and professional responsibility standards.

    CERTIFIED FINANCIAL PLANNER® professionals are uniquely qualified to help you pull your finances together, solve financial problems, and make a plan to achieve your financial goals.

  • Financial planning is the process of understanding your financial goals, knowing when you will need to use your money, and what you will be using it for. That information then drives the development a plan of action with specific steps you need to take to achieve those goals.

    A good financial planner will give you advice across a range of topics as they are relevant to you and your situation:

    • What you need to differently
    • How much you need to save
    • What types of retirement accounts to use (IRA, ROTH, 401(k), etc.)
    • How much to keep in your emergency fund
    • What changes might improve your tax situation
    • What rate of return you will need to earn to achieve your goals over a given time frame

    At Waterstone Financial Services, we approach this process with your life goals in mind as well. We are also prepared to help you manage the changes in your money that happen because of changes in your life.

    A comprehensive financial planning approach considers all areas of your financial situation in the formation of your personal strategy.

    If you do not consider all aspects of the plan, one area may be adversely affected by isolated decisions, leaving you with an undesired result. For example, when reviewing your asset allocation strategy you must consider the income tax consequences of changes made in the investment accounts.

  • Even with the rapid changes our economy is experiencing, it still makes sense to follow a process to figure out these hard questions. We have a flexible yet comprehensive process that we walk through with our clients. This process helps them in two ways:

    1. They learn as they go through the process, which empowers them to make decisions.
    2. The process is repeatable and adjustable as needed to meet changing needs and economic conditions.
  • Yes. People who need more sophisticated financial planning or advice will find our services appealing and beneficial.

  • Once you have selected a new advisor whom you want to work with, the process to transfer your investments is straightforward. Generally, your new advisor will ask for specific information about your current investment accounts. Then he or she will ask you to complete paperwork that gives them permission to transfer the funds in accordance with your wishes.

  • First, it’s important to research the investment professionals you are considering. The Financial Industry Regulatory Association provides excellent guidelines on how to ensure you have a productive relationship with the financial professional.

    Second, it’s also important to consider the chemistry between the two of you and how much interaction you feel you will need to be happy with their services.

  • There are basically two paths to develop such a plan: do it yourself, or work with a qualified financial advisor. However, the decision of which way to go can be complicated. Here are some things to consider:

    • How much time and effort are you willing to invest in learning about the stock markets, other investment types/opportunities, and economic conditions? Both initially and on an ongoing basis?
    • Are you willing to document where you have put the money, account numbers, logins and passwords, and related information so your family can locate it should something happen to you?
    • What are your thoughts about financial wins and losses? It’s much easier, of course, to accept the former. However, the latter are inevitable as well.

    We suggest you read books and web sites on the subject of investing to familiarize yourself with what’s involved before investing on your own.

    If you are ready to consider working with a financial advisor, we would be happy to talk with you. .

What if my question isn’t in this list?

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