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About Waterstone Financial Services

Your Financial Thinking Partner

Established in 2005, Waterstone Financial Services is designed to help clients before, during, and after life changes such as career transitions, retirement, divorce, death of a spouse, and others.

Where we shine is our ability to understand not only your finances but also your hopes, dreams, goals, and fears. We call this being a thinking partner.

Have a Little Fun Along the Way

A WFS specialty is hosting fun events in which our clients enjoy entertainment or an interesting discussion spiced with good food. The pandemic, of course, has halted those activities. We look forward to being able to resume them when it's safe to do so. 

Past examples include:

  • "Soup 'n' Cinema" nights to view an interesting movie and discuss it afterwards.  
  • Discuss a relevant book that adds to our understanding of the world.
  • A session explaining our "Household Notebook" concept and distributing a workbook to help our clients create one.

Financial Experience and Knowledge

We offer a range of financial services that help you deal with financial risk, asset allocation, and portfolios.

We carefully review and continually refine the processes that we and our clients use 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.

When Life Happens

We have also developed life transition consulting skills via attaining the Certified Financial Transitionist (CeFT®) credential.

What people do when faced with major life changes can be as individual as they are. During times of transition, many people experience challenges that interfere with their readiness to move forward with plans they had made or their ability to think and act clearly.

Change is constant, and we clearly can't guarantee it will be easy. What does help is the individual and personal approach we take to guide you through it.

Money isn't everything,

but money touches everything.


Waterstone Financial Services: Form ADVs 

American Portfolios Form ADV Part 2A Brochure (2021)
AssetMark Form ADV Part 2A Platform Disclosure Brochure (2021)
Advisors Capital Management Form ADV Part 2A Firm Brochure (2021)
Kathleen Roth Individual APA Form 2B (2021)
Joshua Dejohn Individual APA Form 2B (2021)




Your Financial Planners

 A well-balanced team that addresses the predictable and unpredictable issues of financial life.

 A combined set of experience 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®, Active Registered Life Planner® Photo
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Kathy Roth, CFP®, CeFT®, Active Registered Life Planner®

Partner

Kathy Roth, CFP®, CeFT®,

Active Registered Life Planner®

Partner





Kathy’s helps her clients navigate the uncharted financial waters that result from major life changes such as marriage, divorce, death of a spouse, relocation, and others. Those who are going through such transitions need to develop a clear sense of financial direction and the plan that supports those goals. As  a result, her clients are able to live their lives with more calmly, confidently, and with perspective.

Kathy has been a financial planner since 1979. She is a lifelong learner and updates her skills regularly:

  • She is a Certified Financial Planner (CFP®). Learn more about why this is important to you.
  • She is a Certified Financial Transitionist (CeFT®) through the Financial Transitionist Institute (FTI). While she continues to help clients manage the technical side of their money (investment, retirement, etc.), she has long known the challenges involved can include emotions, family dynamics, and other personal aspects. This training has given her perspective and tools that help bring both sides together. 
  • She is an Active Registered Life Planner® through The Kinder Institute of Life Planning.  She developed the skills needed to help you clarify and achieve your most meaningful and deeply felt aspirations.

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 American Portfolios ADV (2021), and FINRA’s BrokerCheck site.


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Joshua DeJohn Photo
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Joshua DeJohn

Partner

Joshua DeJohn

Partner



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 dreams and 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 about Josh’s background and career can be found on his LinkedIn profile, his Joshua DeJohn American Portfolios ADV (2021), and FINRA’s BrokerCheck site.


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