Wealth Management
Grow, preserve, and align your wealth with your life goals
At Waterstone Financial, wealth management is not about chasing returns; it’s about creating structure, protecting what matters, and confidently navigating life transitions. Our approach blends personal guidance with institutional tools, helping you optimize every dollar with intention and purpose. From portfolio design and tax integration to cash flow, estate coordination, and behavioral coaching, our process ensures your entire financial picture works in harmony.
1. Create a Structured Income Plan
Your foundation for lasting financial stability.
We begin by designing your income architecture, ensuring your lifestyle is supported by predictable, purpose-driven sources of cash flow. We map short- and long-term needs, minimizing withdrawal stress and coordinating across all accounts and income sources.
We help you:
Structure retirement income from IRAs, pensions, and Social Security.
Manage Required Minimum Distributions (RMDs) and early withdrawal timing.
Sequence distributions across taxable, tax-deferred, and tax-free accounts.
Plan for contingencies, such as rising costs, caregiving needs, or a spouse’s passing.
Outcome: Swan effect – (Sleep Well at Night) Giving you peace of mind knowing your lifestyle is backed by a reliable income plan.
2. Implement the Bucket Strategy
Structure your investments by time, purpose, and behavior.
To navigate market uncertainty, we implement a proven Bucket Strategy, dividing your wealth into three timelines. This strategy balances liquidity, growth, and emotional discipline, ensuring your plan performs not just financially, but behaviorally.
Bucket 1: Short-Term (0–5 Years)
Cash reserves and short-duration bonds for predictable income and capital preservation.
Bucket 2: Mid-Term (5–10 Years)
A moderate mix of fixed income and dividend-paying equities—built for income and resilience.
Bucket 3: Long-Term (10+ Years)
Growth-oriented assets like equities for compounding and legacy.
We believe time and diversification are the cornerstones of successful investing. By educating clients on how long-term discipline reduces volatility and enhances outcomes, we help shift the mindset from reaction to strategy, empowering you to stay invested with clarity and confidence.
Outcome: A durable structure that aligns money with purpose and reduces emotional decision-making.
3. Grow & Protect Your Estate
Optimize your wealth across generations.
Once your income and investment timeline are in place, we focus on growth and protection. For high-net-worth families, wealth management must include strategies for both longevity and legacy.
We help you:
Position assets for growth, inflation protection, and generational planning.
Use trusts, gifting strategies, and family entities to minimize estate tax exposure.
Integrate life insurance and long-term care solutions to preserve wealth.
Build multigenerational plans that reflect values, not just dollars.
Outcome: A comprehensive wealth strategy that grows with you and beyond you.
4. Manage Your Investments with Institutional Precision
Smart portfolios with personalized execution.
We partner with AssetMark, a top-tier investment platform, to provide access to professional managers, model portfolios, and performance reporting. But the strategy is always personal, built around your risk tolerance, values, and financial needs.
We help you:
Build diversified portfolios that blend risk, return, and liquidity.
Align investment strategies with your tax situation and cash flow needs.
Monitor performance and rebalance with intent, not emotion.
Incorporate ESG, socially responsible investing, or business ownership considerations when desired.
Outcome: Investment strategies that are agile, sophisticated, and fully tailored to your life.
5. Coordinate Your Entire Financial Life
One strategy. One team. One unified direction.
As your financial helmsman, we help steer your plan through every season, calm or stormy. Complexity grows as wealth grows, and we ensure you remain on course by aligning tax planning, estate strategies, investments, insurance, and cash flow under one unified direction. We help you:
Manage transitions (retirement, business sale, inheritance, relocation).
Consolidate multiple accounts, custodians, or inherited assets.
Build family governance models to support stewardship and communication.
Host family meetings or educational sessions for heirs and beneficiaries.
Outcome: A streamlined financial ecosystem reducing risk, redundancy, and stress.
Why This Works
Client-Centered Planning: Your goals, values, and timelines drive every decision.
Structure Meets Flexibility: The Bucket Strategy provides discipline without rigidity.
Full Integration: Investments, income, taxes, estate, and protection all work together.
Engineering-Inspired Logic: Built, stress-tested, and refined with precision.