About Waterstone Financial Services

Established in 2005, Waterstone Financial Services is designed to help clients 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 advisory services (CFP®) with attention to the customary financial aspects of risk, asset allocation, and portfolios.

Our investment management service includes helping you manage your portfolio over time and coordinate with other aspects of your life such as tax preparedness, estate planning, and insurance.

We added life transitions consulting skills via attaining the Certified Financial Transitionist (CeFT®) credential. Through this knowledge, we are better able to help our clients navigate the life changes caused by financial changes.

To accomplish this, we have carefully thought through 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.

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® Photo

Kathy Roth, CFP®, CeFT®

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 Cambridge ADV (2020), the Cambridge Investment Research Advisors, Inc. Form ADV (2020), and FINRA’s BrokerCheck site.

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Joshua DeJohn Photo

Joshua DeJohn

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 Cambridge ADV (2020), and FINRA’s BrokerCheck site.

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