Wealth Management

The investment philosophy

for your financial plan

Structured Income Plan 

Our conversation will start at the bottom of the pyramid. 


What is the single most important thing to have in retirement? A secure income. 


After accounting for Social Security and pensions, the rest of that money needs to come from your savings. 


We believe that investing for income requires a conservative approach and specific strategies.

Estate Growth and Protection 

The next level of investing could involve products and strategies that are part of a plan to reduce taxes, protect your estate for your surviving spouse, or effectively leverage the impact you have on your beneficiaries.

Managed Investments

We are now ready to look at other investment opportunities, add risk back to the portfolio, and take advantage of options that allow you to participate in the markets. 


The objective is to get additional gains to fund an enhanced lifestyle and keep up with inflation.

Sequencing of Returns
The biggest risk in retirement

Are your retirement savings at too much risk? 


There are so many good aggressive strategies to use for investing while you are still accumulating assets and saving in your 401k or IRAs. 


But as this life savings gets closer to becoming your main source of income, too much risk can have a devastating impact. 


Sequencing of Returns is one of the biggest reasons that retirees had to change their lifestyle, go back to work, or declare bankruptcy. 


Contact us to do an evaluation of your current portfolio and see if you are at risk.

Managed Investment Accounts

Our managed portfolio investments are offered through AssetMark, Inc. 


As registered investment advisors, we have a fiduciary duty to the client to ensure that the investments we recommend meet your personal financial objectives while offering the most cost-effective products available. 


AssetMark provides that platform for institutional level investors, and with over forty-seven billion dollars in managed assets, the costs associated with investing are at wholesale levels, savings that are passed on to you.


More importantly, the extensive financial planning experience and world-class money management capabilities offered through our extended team at AssetMark, means you have access to a diversified array of appropriate investments.

Life Insurance and Annuities

Insuring your plan can play a vital part in protecting your loved ones. Two very effective ways of doing this are by using life insurance and annuities


Life insurance is traditionally thought of as providing money for your survivors when you die. But it can also be a very flexible tool that could be part of almost any financial plan.


  • It can also provide tax-free income during your retirement
  • It can protect your business, your assets and estate
  • It can provide you with long term care insurance
  • It bypasses probate thus providing your family with an immediate source of cash after you are gone.


Annuities can play an important role in your financial plan, especially for your retirement. They can be used to give you a steady stream of income throughout your retirement. But caution needs to be taken when deciding which of the vast array of products available you should use. 


Some will have unnecessary fees and there are subtle differences between contracts that can make a big difference to you.


  • It can pay an income for life, no matter how long you live – pension replacement
  • It can be used as a protected investment choice with returns similar to bonds
  • It can grow at significant interest rates for either future income or death benefit
  • It can be added to the plan to protect a survivor's income after a spouse passes


We at Waterstone Financial are licensed with over twenty carriers, each carefully chosen for their product selection and financial strength. A regular reassessment of those carriers takes place to make sure the best of new product features are available to you.

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