Wealth Management
The Watershed Way.

At Watershed Wealth, we believe in the power of full transparency.

We understand that living in Northern Michigan requires a unique approach to financial planning - one that caters to our “Up North” way of life.

That’s why we’ve developed our unique process, The Watershed Way.

It's a holistic approach that requires honesty, accountability, and a willingness to dive deep into your financial situation.

We ask a lot from our clients because we know that's how we achieve the best results.

Here’s what to expect:

Step One
Discovery Meeting 🔎
🏠 In-person

As your new advisor, our first priority is to check in on your financial health.

When you visit your doctor, they measure your vital signs to broadly understand how physically healthy you are.

🌡️ Temperature
💓 Pulse
😮‍💨 Rate of breathing
🩸 Blood pressure

Similarly, we use
Elements to get an understanding of how financially healthy you are.

This step is always free for everyone.
Tap to schedule
Step Two
Onboarding Meeting
🏠 In-person

This step marks the formal commencement of our services, the point at which our collaboration truly begins.

After e-signing your client agreement, we'll accompany you in opening the recommended accounts and facilitate any transfers.

Don't worry, our technology is very intuitive and empowers you to own your personal financial data from this point forward.

⏳ ~1 week until next meeting
Step Three
Get Organized Meeting
🏠 In-person

Now, we go deep into your financial situation.

Before this meeting, you'll provide:
  • Tax return (most current)
  • Held away account statements
  • Pension statements (if applicable)
  • Social Security statement
  • Insurance statements (life, health, home, auto, umbrella, disability, etc)
  • Estate planning documents
Only by understanding you at this intimate level can we create a plan that truly resonates with your unique life situation.

For clients with more complex situations, such as business owners or those with equity compensation, we may require additional meetings to fully cover your unique scenario.

⏳ ~1 month until next meeting
Step Four
Follow Through Meeting
🏠 In-person

We stand out from other advisors because we understand that crafting a well structured financial plan is not the end—it's just the beginning.

We recognize that life is complex, and financial tasks can easily slip down the priority list.

We're here to ensure that doesn't happen.

In this meeting, we revisit your plan, answer any lingering questions, and help complete any outstanding action items.

⏳ Reviews begin in 6 months
Step Five
Semi-Annual Reviews
We're committed to continuous engagement and adjustment based on your evolving needs and circumstances.

Wealth Management by Watershed Wealth includes comprehensive semi-annual reviews addressing various aspects of your financial situation including Taxes, Retirement, Investments, Insurance, Estate Planning, and more.