We built The Watershed Way to solve a simple problem: most financial plans sit on a shelf.
Ours don’t.
This is a structured, step-by-step process we use with every client—not just to build a plan, but to keep it alive.
It’s high-tech where it needs to be, human-first where it matters, and flexible enough to evolve with your life.
Here's what you can expect:
Step One
Intro Call
Intro Call
A short, relaxed conversation with our team to get to know each other.
You’ll share what’s on your mind financially, and we’ll explain how we work with clients.
By the end, we’ll both know if it feels right to continue to a Discovery Meeting.
Tap to ScheduleYou’ll share what’s on your mind financially, and we’ll explain how we work with clients.
By the end, we’ll both know if it feels right to continue to a Discovery Meeting.
Step Two
Discovery
Discovery
We meet — in person or virtually — for an in-depth discussion of your financial life.
Together, we complete your Financial Planning Profile, covering your current situation, goals, values, and any concerns you want addressed.
By the end of the meeting, you’ll have a clear picture of where you stand and how our team could help you move forward if you choose to continue.
Together, we complete your Financial Planning Profile, covering your current situation, goals, values, and any concerns you want addressed.
By the end of the meeting, you’ll have a clear picture of where you stand and how our team could help you move forward if you choose to continue.
Step Three
Onboarding
Onboarding
Once you decide we're the right fit for your retirement, we finalize our advisory agreement, open your accounts, and begin funding them.
Our team gathers any remaining documents, confirms your priorities for implementation, and establishes how we’ll communicate and review progress going forward.
Our team gathers any remaining documents, confirms your priorities for implementation, and establishes how we’ll communicate and review progress going forward.
Step Four
Follow Through
Follow Through
Retirement Planning isn’t a one-and-done deal—it’s an ongoing process.
In each Follow Through meeting — whether it’s the first or one of many — we review your progress, revisit your goals, and make any necessary adjustments to your plan and investments.
In each Follow Through meeting — whether it’s the first or one of many — we review your progress, revisit your goals, and make any necessary adjustments to your plan and investments.
Our only fee.
We charge an ongoing advisory fee that covers investment management plus general financial planning support.
You should know what you’re paying for—and what it covers—from day one.
Annual Fee
1.50% of assets under management
⚠️ Minimum annual fee: $1,000 for individuals / $1,500 for households
⚠️ Custodial, brokerage, and fund-level fees may apply
What’s Included
- Setting and refining financial goals
- Retirement income strategy
- Tax-aware investing
- Employee benefits optimization
- Cashflow organization
- Insurance and risk review
- Estate planning coordination
- Ongoing access to your client dashboard
Our only fees.
Get started by scheduling your discovery meeting. 🔎
