• Home
  • Our Services
    • Retirement Income Planning
    • The Fiscal Cliff of Retirement
    • Social Security Optimization
    • Tax Preparation and Planning
    • Estate and Asset Protection
    • Wealth Management
  • TV Appearances
  • Team
  • Contact Us
Waterstone Financial Waterstone Financial
  • Home
  • Our Services
    • Retirement Income Planning
    • The Fiscal Cliff of Retirement
    • Social Security Optimization
    • Tax Preparation and Planning
    • Estate and Asset Protection
    • Wealth Management
  • TV Appearances
  • Team
  • Contact Us

Design, Build, and Test Your Financial Future . . . . . Ask us about The Journey

head9
head8
head7
head5
head3
The Retirement Engineer Story
Financial-Advisor-Southwest-Florida-James-Gallagher

More about James and how Waterstone came to be.

Welcome to Waterstone Financial

We are a well-established financial advisory firm headquartered in Southwest Florida specializing in retirement income planning. Operating a highly personalized organization with a responsive and welcoming family feel, our principal James Gallagher known as the Retirement Engineer, is a financial advisor who takes pride in helping our clients meet their personal goals.

Our relationships are predicated on trust, disclosure, and transparency. With goals always aligned to the clients best interests, we are committed to the highest standards of professional care and ethical conduct. Our success is directly related to the satisfaction of our clients, and the effectiveness of their retirement plans.

Partnered with AssetMark, Inc. who is an investment management and consulting firm serving independent financial advisors, they are a leading provider of comprehensive, fully integrated wealth management services for institutional and individual investors.  We also maintain affiliations with A+ Rated insurance companies.

Our team works hand in hand with our clients to engineer an integrated financial plan – custom designed, built, and tested to maximize income, optimize taxes, and assure effective wealth transfer.

Do I Have Enough to Retire and STAY Retired?

Protect your lifestyle and avoid a Fiscal Cliff. This is your most important investment, your future.

Will My Social Security Be There? Can I Get More?

Optimize your Social Security and pensions. Design required minimum distributions and portfolio distributions to give you the most income. 

Is the IRS Taking Too Much of My Money in Taxes?

Avoid making big tax mistakes.  Make the best use of tax-free and tax-deferred investments.

Are My Hard Earned Savings Secure?

Take control before someone else does! Protect your assets.  

Fox 4 News TV Appearances

James regularly appears on Fox 4 News, typically Thursday mornings at 7:20, to highlight helpful newsworthy tips.

FOX4TV – Grandparents spending on on the grand-kids

Grandparents, you know you want to spoil the grandkids, but be mindful of your spending. James discusses some ways to…

CLICK HERE

TO DOWNLOAD A BUDGET SHEET

BudgetCalculator

Partners and Friends

Asset-Mark-Logo

Our Managed Investment Accounts are offered though AssetMark, Inc.  Click above to learn more.

Our Registered Investment Advisor Partner. Click above to learn more.

Innovative software for engineering sound retirement plans

Join us on Social Media!

The Journey

James Gallagher developed and refined a process to bring engineering principals to the retirement space. We use this process to Design, Build and Test integrated financial plans that structure income, optimize taxes, and assure effective wealth transfer. We continually monitor the plan and the investments making real-time adjustments as various life events unfold.
We call this process The Journey.

Contact Us

We're not around right now. But you can send us an email and we'll get back to you, asap.

Send Message
Experience something completely different. Engineer a retirement that works! Contact Us Today!

Advisory Disclosure

Advisory services offered through J.W. Cole Advisors, Inc.  J.W. Cole Advisors, Inc. and Waterstone Financial are unaffiliated entities.  Advisors must be properly registered in the state where you live in order to conduct securities related business with you. A response to your request for information might be delayed in order to assure our compliance with this regulation. No information provided on this site is intended as a solicitation to buy or sell any security. The investments and services mentioned may not be available in every state. No security will be offered or sold to any person, in any state in which such offer, solicitation, purchase, or sale would be unlawful under securities laws of such jurisdictions.  Check the background of your financial professional on FINRA’s BrokerCheck

Insurance Products are offered through Waterstone Financial LLC.    Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Insurance and Annuity product guarantees are subject to the claims paying ability of the issuing company.

Neither J.W. Cole Financial, Inc. (JWC) nor its representatives provide legal, tax nor accounting advice.

Upcoming Events

CyberSecurity Button

Cyber-Security & the Coming of the Drones

Join us to learn valuable techniques to secure your wealth and avoid identity theft. We will also discuss privacy concerns and the impact of advancing technology with an exciting and informative drone demonstration! Contact us to save your spot. Click above to RSVP.

© 2021 — Waterstone Financial 12597 New Brittany Blvd, Fort Myers, FL 33907 239-288-0977

  • Home
  • Our Services
    • Retirement Income Planning
    • The Fiscal Cliff of Retirement
    • Social Security Optimization
    • Tax Preparation and Planning
    • Estate and Asset Protection
    • Wealth Management
  • TV Appearances
  • Team
  • Contact Us