About Waterstone Financial Services
Established in 2005, Waterstone Financial Services is designed to help clients answer this key question before, during, and after major life transitions such as career transitions, retirement, divorce, death of a spouse, and others.
Where we shine is our ability to work with you as a thinking partner who understands your hopes, dreams, goals, and fears and helps you connect your money with your life.
As a base, we offer general financial planning (CFP®) with attention to the customary financial aspects of risk, asset allocation, and portfolios. We are committed to expanding our capabilities beyond that with ongoing wealth plan training.
We added life planning skills via Kinder Institute for greater understanding of the integration of life aspirations and money implementation.
We added life transitions consulting skills via attaining the Certified Financial Transitionist (CeFT®) credential. This helps our clients navigate life changes as well as financial changes.
To accomplish this, we have carefully thought through and continually refine processes to:
- Gather meaningful data.
- Format a clear plan.
- Test the probability of success.
- Implement solid strategies.
- Report clearly and accurately.
- Help you understand what it all means to you.
Our Financial Planners
A well-balanced team that addresses the predictable and unpredictable issues of financial life.
A combined set of experiences and training unusual in the industry.
A broader focus, viewing American financial life as the interplay of time, effort, and money.
Kathy Roth, CFP®, CeFT®
Kathy’s specialty is helping her clients navigate the uncharted financial waters that result from major life changes such as divorce, death of a spouse, relocation, and others.
In particular, she focuses on helping women going through such transitions develop a clear sense of financial direction and strategies.
Her clients are able to live their lives with more confidence and comfort as a result.
Kathy has been a financial planner since 1979. She is a Certified Financial Planner (CFP®).
She is also a Certified Financial Transitionist (CeFT®) through the Financial Transitionist Institute. Kathy's training helps her to effectively guide her clients through the financial decisions that come with navigating major life changes, especially widowhood.
Prior to forming this company with Joshua, she worked with IDS (now Ameriprise), PaineWebber, Sage Rutty & Co., and Waterstone.
More information about Kathy’s background and career can be found on her LinkedIn profile, her Kathleen Roth Cambridge ADV 2011, on the Cambridge Investment Research Advisors, Inc. Form ADV, and on FINRA's BrokerCheck site.
Joshua’s passion is solving the financial puzzles that unfold in clients’ lives. He excels at finding investment solutions that coordinate their financial resources with their dreamsand plans.
He manages their investments with an eye to other important factors such as required minimum distributions, taxes, and ease of access to funds.
Waterstone clients realize financial calm in Joshua’s capable hands.
Joshua has a BS in Finance from SUNY at Fredonia.
Before forming this company with Kathy, he has been a business/financial analyst and planner since 1989 with American Express Financial Advisors, Sage Rutty and Company, and Citibank, NA.
More information can be found on his LinkedIn profile, Joshua DeJohn Form ADV, on the Cambridge Investment Research Advisors, Inc. Form ADV, and on FINRA's BrokerCheck site.