Cain, Watters & Associates, LLC

Cain, Watters & Associates provides financial planning, retirement planning, and portfolio management primarily to individuals, trustees/plan sponsors, and professional entities, with a concentration on dental and other healthcare professionals. Services described in the brochure include comprehensive financial planning, ERISA pension plan advice, unified managed accounts (UMA), separately managed accounts (SMA), pooled investment fund access, and donor-advised fund services.

The firm says it teaches a long‑term investing philosophy and implements client strategies through a mix of discretionary and non‑discretionary programs, model allocations, and third‑party money managers. As disclosed, CWA manages roughly $2.38 billion on a discretionary basis and about $2.65 billion on a non‑discretionary basis, reflecting an atypically large non‑discretionary footprint relative to many peers.

CWA is part of a holding‑company structure with several affiliated businesses—including a CPA/accounting practice (CWA Tax and Accounting and CFOOrtho), an affiliated national bank that offers collective investment funds (T Bank), an affiliated adviser (Tectonic), and a broker‑dealer (Sanders Morris)—and it discloses recommendations of those affiliates’ products and services. The brochure also highlights niche offerings for dentists and practice transitions (e.g., 7 Pillars, NDP) and does not emphasize traditional corporate or large business client relationships.