Three Waters Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$30,570,647
Total clients
12
42% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
12
Average account size
$2,547,554
About
Three Waters Financial serves individuals, small businesses, trusts, and estates with tailored financial planning and wealth management services. The firm offers non-discretionary financial planning as well as discretionary portfolio management, handling account setup, implementation, and ongoing monitoring according to client needs.
The firm’s investment process emphasizes fundamental security analysis, diversification across asset classes, and strategic rebalancing with attention to tax efficiency; investment choices include ETFs and mutual funds and, for larger or more complex accounts, individual stocks, bonds, and alternative assets. Discretionary accounts are managed in accordance with a written investment policy statement and receive ongoing portfolio review and periodic client discussions.
Compared with many peers, the firm maintains a very small client roster with assets concentrated in personal and family accounts, supporting a hands-on, individualized relationship model. The principal also provides seasonal tax preparation and bookkeeping to some clients and requires discretionary accounts to be held at a single major custodian—arrangements the brochure discloses and explains are managed through the firm’s fiduciary practices.
Client services
Financial planning
Portfolio management
Fee options
Negotiated flat fees available as an alternative to AUM fees for Portfolio Management; flat fees charged in arrears at fixed periodic amounts and will not exceed equivalent AUM fees
$0 - $1,000,000: 1.00% annually $1,000,001 - $5,000,000: 0.75% annually $5,000,001+: 0.5% annually
Starting at $165 per hour for Financial Planning services
Account minimum: $100,000 Fee-only: Hourly fees for Financial Planning starting at $165 per hour
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Main office location
Three Waters Financial
Ignacio CO, United States
Number of offices
1
Forms ADV
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